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Started By
Message
re: Getting Slightly F*cked by Home Insurance
Posted on 10/9/18 at 10:53 am to CE Tiger
Posted on 10/9/18 at 10:53 am to CE Tiger
Who demo'd it? I would expect that contractor did. Does he agree that the pan was installed incorrectly? I'd bet he could find a reason to say that it failed do to defect. Those guys are pretty decent at that sort of stuff.
0
Posted on 10/9/18 at 10:53 am to CE Tiger
(no message)
This post was edited on 4/25/19 at 2:31 pm
Posted on 10/9/18 at 10:54 am to jbgleason
He's not getting the claim anyway.
Posted on 10/9/18 at 10:54 am to Displaced
(no message)
This post was edited on 2/8/25 at 3:21 pm
Posted on 10/9/18 at 10:54 am to NYCAuburn
quote:
Thats like yelling at your server before you get your food.
Where's the sport if you just sit there quietly, though?
Posted on 10/9/18 at 10:54 am to CE Tiger
When I was a kid in the 70s, we had a slow leak on a fridge slowly rot out the floor beneath over time. Insurance stance was they cover one time events, not long developing issues. We had to pay for it.
40 years later, I check my policy each year, and that concept stayed intact, despite the years and miles.
40 years later, I check my policy each year, and that concept stayed intact, despite the years and miles.
Posted on 10/9/18 at 10:54 am to NYCAuburn
quote:
NYCAuburn
Yep! People can be dumb.
Posted on 10/9/18 at 10:55 am to NYCAuburn
Generally not a good tactic to go in guns a blazin'. Dummies.
Posted on 10/9/18 at 10:56 am to Wayne Kenoff
Is there anything on the fact that this work was all done prior to me owning the house and prior to being insured by this company?
Posted on 10/9/18 at 10:58 am to castorinho
quote:
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.
And banks. They give you an umbrella when its sunny and ask for it back when it starts raining.
Posted on 10/9/18 at 10:59 am to Wayne Kenoff
quote:
SUDDEN & ACCIDENTAL
If it’s not sudden and/or accidental then it’s not covered. Period the end.
These are the key words for all claims.
Posted on 10/9/18 at 10:59 am to CE Tiger
Insurance is for sudden and accidental damage(for the most part).
The issue is the "rot" and is usually excluded from coverage. Any damaged that has occurred over time is going to raise red flags for coverage. Now if the damage is hidden even over time then you may have some coverage from that resulting damage.
Now if the maintenance issue caused some sudden damage, usually the demo and repair of the demo is covered but the maintenance issue itself would not be covered(ie a leaky pipe- no coverage for the pipe but coverage for the drywall removal to access the pipe)
The issue is the "rot" and is usually excluded from coverage. Any damaged that has occurred over time is going to raise red flags for coverage. Now if the damage is hidden even over time then you may have some coverage from that resulting damage.
Now if the maintenance issue caused some sudden damage, usually the demo and repair of the demo is covered but the maintenance issue itself would not be covered(ie a leaky pipe- no coverage for the pipe but coverage for the drywall removal to access the pipe)
Posted on 10/9/18 at 11:01 am to CE Tiger
Unfortunately your only options are:
1. Pay for it yourself
2. Try to go after the previous owner if you can.
3. Make a phone call to your inspector who inspected the home prior to your purchasing it.
Look, I know it sucks but unfortunately you can’t fault your insurance company here. None of them cover mold that occurred over a long period of time like in your case.
1. Pay for it yourself
2. Try to go after the previous owner if you can.
3. Make a phone call to your inspector who inspected the home prior to your purchasing it.
Look, I know it sucks but unfortunately you can’t fault your insurance company here. None of them cover mold that occurred over a long period of time like in your case.
Posted on 10/9/18 at 11:03 am to The Mick
A home inspector cannot see through walls or underneath tile and will have a disclaimer stating such.
Posted on 10/9/18 at 11:05 am to NYCAuburn
Recommend you file a complaint with the Insurance ommision of the state of Louisiana. ,. Copy the. Insurance company. Keep us advised
Posted on 10/9/18 at 11:07 am to Wayne Kenoff
quote:
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.
THIS
Posted on 10/9/18 at 11:07 am to CoachChappy
quote:
That's total bull shite. They insured the home as you bought it.
Posted on 10/9/18 at 11:08 am to CE Tiger
quote:
Is there anything on the fact that this work was all done prior to me owning the house and prior to being insured by this company?
No because more than likely you bought the home “as is”. This will be clearly stated on your purchase agreement.
I know it sucks, but welcome to home ownership. This is a maintenance issue.
Posted on 10/9/18 at 11:08 am to CE Tiger
Almost all insurance companies have gotten tougher on claims even legitimate ones they make you jump through hoops. Even state farm. The adjuster is not your friend.
Posted on 10/9/18 at 11:12 am to castorinho
quote:
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.
Insurance policies are contracts. Would you pay someone outside of what you owe in a contract?
If coverage falls under that contract the vast majority of adjusters and carriers pay well, many too well.
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