- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Getting Slightly F*cked by Home Insurance
Posted on 10/9/18 at 10:31 am
Posted on 10/9/18 at 10:31 am
So I had a leaky shower that built up mold and caused some water damage to my laminate floors in the adjacent bedroom and rotted out the 2x4s. Insurance adjuster comes out and says that the fault is due to shower pan failure or wrapping of the bench. This is a tile shower so we have to demo the whole thing. Now insurance comes back that they won’t cover anything since it’s due to faulty installation (by previous home owner)
I’m fricked arent I? Anything to do to put this on a previous home owner prior to going under contract with this company?
I’m fricked arent I? Anything to do to put this on a previous home owner prior to going under contract with this company?
This post was edited on 10/10/18 at 7:02 pm
29
Posted on 10/9/18 at 10:32 am to CE Tiger
pics of agent
Posted on 10/9/18 at 10:33 am to CE Tiger
Did it come up in inspection?
That's total bullshite. They insured the home as you bought it.
quote:
Now insurance comes back that they won’t cover anything since it’s due to faulty installation (by previous home owner)
That's total bullshite. They insured the home as you bought it.
Posted on 10/9/18 at 10:33 am to CE Tiger
Is this legit home insurance or American Home Shield type insurance?
Posted on 10/9/18 at 10:34 am to CE Tiger
quote:
I’m fricked arent I? Anything to do to put this on a previous home owner prior to going under contract with this company?
We didn't know what we would do, we called up USAA though, their friendly representative greeted me like they always do. Hello General BillyMaysHere, thank you for your service and what can we do for you?
Within hours they had an adjustor out and were able to diagnose the problem as well as provide us a check to cover estimated repairs.
We are USAA members for life!
Posted on 10/9/18 at 10:34 am to CE Tiger
It seems like they will replace a roof like there is no tomorrow after the smallest of hailstorms yet fight you on all kinds of other stuff like this.
Posted on 10/9/18 at 10:34 am to StringedInstruments
Lighthouse is the insurance company so legit home insurance
Posted on 10/9/18 at 10:35 am to CE Tiger
Just tell them you're going to sue them for the amount of the repair.
Posted on 10/9/18 at 10:38 am to CE Tiger
I had two bathrooms that needed to be redone, because a toilet had a slow leak, and rotted out the floors over time. Their justification was that I should've noticed the slow leak so they weren't paying for it
Posted on 10/9/18 at 10:40 am to Gaston
quote:
Just tell them you're going to sue them for the amount of the repair.
Say that and they will automatically transfer you to the Litigation department and I can damn well guarantee you that you will never get the claim. Threatening them with a lawsuit is the last resort, not the first.
Posted on 10/9/18 at 10:42 am to CE Tiger
quote:Might be worth getting a second opinion from a licensed contractor and see what they say.
Insurance adjuster comes out and says that the fault is due to shower pan failure or wrapping of the bench.
Posted on 10/9/18 at 10:43 am to CE Tiger
That's insurance in a nutshell. Pay into it for years, then when it's time for them to pay up...all of a sudden it's a problem.
Posted on 10/9/18 at 10:44 am to CE Tiger
Do you have "Foundation Coverage" on your policy?
Posted on 10/9/18 at 10:47 am to CE Tiger
quote:
I’m fricked arent I? Anything to do to put this on a previous home owner prior to going under contract with this company?
Maybe. Maybe not.
When you're looking at thousands of dollars of repairs and possible mold issues and insurance is throwing blame on the previous owner trying to leave you in the lurch, spending a couple of hundred bucks for an hour of a real estate (or other applicable specialist) attorney's time to advise you seems prudent, doesn't it? Remember, you now have a paper trail of a history of mold that's going to follow that house.
Get competent advice.
ETA: Just in case you are unsure, the OT is NOT competent advice.
This post was edited on 10/9/18 at 10:53 am
Posted on 10/9/18 at 10:48 am to TennesseeFan25
quote:
their friendly representative greeted me like they always do. Hello General BillyMaysHere
Just out your alter?
Posted on 10/9/18 at 10:49 am to CE Tiger
The home inspector you used prior to closing deserves a call at least.
Posted on 10/9/18 at 10:49 am to Shadowlink
quote:
second opinion
This. If you can get a licensed contractor to contradict the "opinion" of the adjuster then you'll be in a much better position to discuss coverage.
Posted on 10/9/18 at 10:49 am to Demshoes
Well the shower is demo and torn out . Not sure what a second opinion can get me
Posted on 10/9/18 at 10:51 am to CE Tiger
*sigh*
I legit have his same conversation with customers every week.
Mold, in your case, is never covered by homeowners insurance, regardless of company.
SUDDEN & ACCIDENTAL
If it’s not sudden and/or accidental then it’s not covered. Period the end.
In your case, the mold is caused by some faulty installation and occurred over time.
Now, if a tree falls through your roof and rain water enters your home causing mold, then yes, that would be covered, assuming you filed the claim in a timely fashion and didn’t just let your roof sit with a hole in it.
Maintenance issues are NEVER covered by homeowners insurance in Louisiana. You could have some Mickey Mouse operation homeowners insurance company or you could be covered by the best company in the industry —- they would ALL deny your mold claim.
Yes, it sucks for you because now you have a large and expensive project on your hands but you have to understand that mold is 99.99% of the time going to be denied.
I legit have his same conversation with customers every week.
Mold, in your case, is never covered by homeowners insurance, regardless of company.
SUDDEN & ACCIDENTAL
If it’s not sudden and/or accidental then it’s not covered. Period the end.
In your case, the mold is caused by some faulty installation and occurred over time.
Now, if a tree falls through your roof and rain water enters your home causing mold, then yes, that would be covered, assuming you filed the claim in a timely fashion and didn’t just let your roof sit with a hole in it.
Maintenance issues are NEVER covered by homeowners insurance in Louisiana. You could have some Mickey Mouse operation homeowners insurance company or you could be covered by the best company in the industry —- they would ALL deny your mold claim.
Yes, it sucks for you because now you have a large and expensive project on your hands but you have to understand that mold is 99.99% of the time going to be denied.
Posted on 10/9/18 at 10:51 am to jbgleason
quote:
Say that and they will automatically transfer you to the Litigation department and I can damn well guarantee you that you will never get the claim. Threatening them with a lawsuit is the last resort, not the first.
I work in HO insurance, on the claim side(Contents, not structure, sorry op) and its amazing the amount of people who come into a claim fighting and threatening lawsuits prior to any action being taken by insurance company. Thats like yelling at your server before you get your food.
Page 1 of 7
Popular
Back to top
Follow TigerDroppings for LSU Football News