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Started By
Message
Homeowner's Insurance Claim Advice Needed
Posted on 6/19/19 at 8:43 am
Posted on 6/19/19 at 8:43 am
Had a hot water pipe leak under our house(pinhole leak) which caused severe buckling to our wood floors.
Insurance claim was made immediately and restoration company was employed to mitigate and restore home. Insurance has agreed to replace all flooring in house. Restoration company is handling the packout of entire home and demo of floors. This will include pulling out lower cabinets, dishwasher, gas stove, all tile in bathrooms and tile shower in master who's tiled shower pan is on top of subfloor, toilets, etc.
The restoration companies "rebuild" manager came out yesterday to see what needed to be done. He told us to call insurance and see if they cover O & P(overhead and profit). He said they won't do the rebuild if insurance doesn't cover this unless we agree to pay it ourselves.
Called insurance and they said no, they don't cover O & P if floors are being replaced, which makes sense. So seems like I'm going to have to get a flooring contractor over to do the floors. Will they even do subfloors or is that another type of trade? A plumber to reconnect dishwasher, gas stove, toilets etc. Tile guy to rebuild the master shower, etc. Not really sure how I should be handling all of this. I've never dealt with anything like this before. Also worth mentioning, we're currently staying in a hotel that insurance is covering, while all of this goes on. I'd like to get back home ASAP. Any advice, tips etc? I'm in TX btw, so not sure what laws/rules apply here.
Insurance claim was made immediately and restoration company was employed to mitigate and restore home. Insurance has agreed to replace all flooring in house. Restoration company is handling the packout of entire home and demo of floors. This will include pulling out lower cabinets, dishwasher, gas stove, all tile in bathrooms and tile shower in master who's tiled shower pan is on top of subfloor, toilets, etc.
The restoration companies "rebuild" manager came out yesterday to see what needed to be done. He told us to call insurance and see if they cover O & P(overhead and profit). He said they won't do the rebuild if insurance doesn't cover this unless we agree to pay it ourselves.
Called insurance and they said no, they don't cover O & P if floors are being replaced, which makes sense. So seems like I'm going to have to get a flooring contractor over to do the floors. Will they even do subfloors or is that another type of trade? A plumber to reconnect dishwasher, gas stove, toilets etc. Tile guy to rebuild the master shower, etc. Not really sure how I should be handling all of this. I've never dealt with anything like this before. Also worth mentioning, we're currently staying in a hotel that insurance is covering, while all of this goes on. I'd like to get back home ASAP. Any advice, tips etc? I'm in TX btw, so not sure what laws/rules apply here.
5
Posted on 6/19/19 at 8:47 am to SirSaintly
hire skilled contractors, let the restoration company go on their way.
Posted on 6/19/19 at 9:24 am to SirSaintly
Wait, you're letting the restoration company do the rebuild? I would get the restoration company to make sure everything is dry and mold free and then send them on their way. Get actual contractors to do the rebuild.
Posted on 6/19/19 at 9:28 am to TDsngumbo
quote:
Wait, you're letting the restoration company do the rebuild?
The restoration company has a rebuild division with contractors and a list of subs they use. I've googled and it's fairly common with full service restoration companies. This isn't just a mitigation company.
Posted on 6/19/19 at 10:06 am to SirSaintly
quote:
The restoration company has a rebuild division with contractors and a list of subs they use. I've googled and it's fairly common with full service restoration companies. This isn't just a mitigation company.
yes but it isn't ideal. they prioritize the restoration services. do what you want but i'd ask around for referral trade contractors etc for the remainder.
Posted on 6/19/19 at 10:33 am to Chad504boy
quote:
yes but it isn't ideal. they prioritize the restoration services. do what you want but i'd ask around for referral trade contractors etc for the remainder.
Will do, but we're in a hotel the insurance is paying for. New wood flooring installation should be fairly easy to get a flooring company to do, but the one most recommended in my area doesn't do subfloors repairs/installation, so would need a contractor for that. I know a plumber who can reinstall everything, although that's a really small job for him and he's super busy, like most good tradesmen. Just trying to not be in a hotel for months while we try to get skilled, reputable trade contractors out here for fairly small jobs relatively speaking. The largest job should be the subfloors and new flooring.
Posted on 6/19/19 at 10:42 am to SirSaintly
Get you a general contractor
Posted on 6/19/19 at 10:56 am to CE Tiger
quote:
Get you a general contractor
that's the problem. insurance doesn't want to pay O & P. Doubt a contractor wants to work for free. I'm going to try and call the girl again and see what's up. She seems pretty new and doesn't seem to know what she's doing.
Posted on 6/19/19 at 11:02 am to SirSaintly
Just throwing this out there... I do a lot of post hurricane inspections, and I have seen on many occasions where bringing in a dehumidifier or two and running it to remove the moisture in the boards and the wood floors just falls back into place.. seen times this didn't work as well. Pick up a moisture meter if you don't have one.
Posted on 6/19/19 at 4:09 pm to SirSaintly
quote:
that's the problem. insurance doesn't want to pay O & P. Doubt a contractor wants to work for free. I'm going to try and call the girl again and see what's up. She seems pretty new and doesn't seem to know what she's doing.
Have you asked them specifically if they will pay a general contractor to manage the job and deal with the subs?
I've learned with all types of insurance, you can ask a question 7 different ways, 6 times they will reject you, and 1 time, you just happen to use the exact language their little book calls for, and they approve it.
Posted on 6/20/19 at 1:13 am to SirSaintly
I’d call your agent, and get a list of preferred contractors for cabinetry and flooring people.
We have a list for just about everything at our agency.
We have a list for just about everything at our agency.
Posted on 6/20/19 at 6:37 am to SirSaintly
quote:
insurance doesn't want to pay O & P.
Sounds like your agent sold you an actual cash value policy and not replacement cost.
Or you consciously purchased ACV over RC to same money.
If so, don’t start getting all pissy with the carrier
Posted on 6/20/19 at 7:48 am to SirSaintly
The complexity and coordination of trades required for the replacement of the subflooring warrants the coordination of a general contractor and O&P, use those words with the insurance company, though they might not allow it till you have hired one.
This post was edited on 6/20/19 at 7:51 am
Posted on 6/20/19 at 7:50 am to Mr.Perfect
quote:
Sounds like your agent sold you an actual cash value policy and not replacement cost.
Or you consciously purchased ACV over RC to same money.
This is an ill-informed response, ignore this information.
Posted on 6/20/19 at 8:01 am to Mr.Perfect
quote:
Sounds like your agent sold you an actual cash value policy and not replacement cost.
I have replacement cost. They don't want to pay O&P for just flooring. I tried explaining that yes, I need new floors, but that also includes pulling up cabinets, toilets, baseboard, probably new subfloors, custom cabinetry in closet, vanities etc... She still seems to think Joe Blow flooring contractor is going to do all of that
I've got a call in to a supervisor.Posted on 6/20/19 at 8:32 am to SirSaintly
And read the ALE on your policy, this isn't getting fixed in a week. You might have a dollar limit or a time limit for repairs, but typically the ALE owes to put you in something better than a hotel room, ask for a finished apartment.
Posted on 6/20/19 at 8:49 am to wickowick
Just wait until OP's checks are held and the mortgage company has to approve release to the contractor. Pain in the arse.
Posted on 6/20/19 at 8:59 am to Motorboat
quote:
Just wait until OP's checks are held and the mortgage company has to approve release to the contractor. Pain in the arse.
This whole thing is a giant pain in the arse. I'm having entire house re-piped so hopefully I don't have to deal with this again.
Posted on 6/20/19 at 10:11 am to SirSaintly
quote:
New wood flooring installation should be fairly easy to get a flooring company to do, but the one most recommended in my area doesn't do subfloors repairs/installation
They don't have somebody they could recommend to do the subfloors? Or check with another flooring company.
Also, you should be able to get one flooring company to do both the floors throughout the house and the tile for the shower.
Posted on 6/20/19 at 5:30 pm to wickowick
quote:
wickowick
Explain it then
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