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Message
re: Getting Slightly F*cked by Home Insurance
Posted on 10/9/18 at 5:42 pm to D844
Posted on 10/9/18 at 5:42 pm to D844
So speaking to my plumber he doesn’t agree with the improper installation. Basically says that an improper installation on that type of pan would lead to an immediate leak. If this is discovered after 8 years there must be some sort of pan failure.
2
Posted on 10/9/18 at 5:54 pm to CE Tiger
They still won’t cover the repairs to the plumbing fixture. Whether its settlement, improper installation, wear and tear. It would have to be fire or lightning for them to cover the fixture.
Posted on 10/9/18 at 5:57 pm to D844
Well the fixture isn’t the chunk of the cost it’s the demo of the shower for access to make the repairs
This post was edited on 10/9/18 at 6:22 pm
Posted on 10/9/18 at 6:18 pm to CE Tiger
Just from personal experience I would think they would, but I guess it depends on your policy maybe?
Several years ago the toilet in the "extra bathroom" overflowed. I got home and there was water in the hallway and it was coming from under the door of the bedroom that bathroom is in. The flooring in two rooms and the hallway had to be replaced and home insurance covered it, but insurance companies come up with all kind of bullshite.
Read your policy and find any argument possible.
Several years ago the toilet in the "extra bathroom" overflowed. I got home and there was water in the hallway and it was coming from under the door of the bedroom that bathroom is in. The flooring in two rooms and the hallway had to be replaced and home insurance covered it, but insurance companies come up with all kind of bullshite.
Read your policy and find any argument possible.
Posted on 10/9/18 at 6:51 pm to CE Tiger
Did the prior homeowner have a contractor put it in or did he do it himself?
Posted on 10/9/18 at 7:29 pm to CE Tiger
Get lawyer it’s a covered claim
Posted on 10/9/18 at 7:31 pm to OweO
Toilet overflowing is sudden and accidental. You oaf.
Posted on 10/9/18 at 7:42 pm to TutHillTiger
quote:
Get lawyer it’s a covered claim
A lawyer will do nothing but cost money and do nothing to progress claim. Only thing at this point is a good contractor with experience with insureds company.
Posted on 10/9/18 at 7:45 pm to CoachChappy
quote:
That's total bullshite. They insured the home as you bought it.
No, they didn't. They insured the home per the the provisions of the policy. It does not cover everything. You may try actually reading it sometime.
Posted on 10/9/18 at 7:56 pm to Macavity92
quote:
No, they didn't. They insured the home per the the provisions of the policy. It does not cover everything. You may try actually reading it sometime.
It blows my mind how little people know or care about their insurance products until they need to use it. They don’t want to hear anything from their agent or their direct company until they want to bitch because it’s not covered. I suspect most on this board have state minimum coverage on their autos and think they are “fully covered”.
Posted on 10/9/18 at 8:00 pm to DCtiger1
quote:
They don’t want to hear anything from their agent
Most Agents don’t even know policies.
Posted on 10/9/18 at 8:05 pm to NYCAuburn
Good ones do.
Posted on 10/9/18 at 8:25 pm to DCtiger1
75% of coverage issues I deal with are agent related. Agents normally just quote the cheapest policy they can. They don’t go over special limits or anything like.
Agenting 101 with a customer should go over every single limitation, theft loss or not, with insured.
Agenting 101 with a customer should go over every single limitation, theft loss or not, with insured.
Posted on 10/9/18 at 8:32 pm to NYCAuburn
Sounds like you deal with a lot of independents
Posted on 10/9/18 at 8:32 pm to OweO
quote:
Several years ago the toilet in the "extra bathroom" overflowed. I got home and there was water in the hallway and it was coming from under the door of the bedroom that bathroom is in
Are u stupid? Do you not see the cause difference of each story?
Posted on 10/9/18 at 8:34 pm to Chad504boy
So anybody got a suggestion on shower tiles?
Posted on 10/9/18 at 8:36 pm to DCtiger1
“Full coverage” makes me cringe every time I hear it
Posted on 10/9/18 at 9:20 pm to DCtiger1
quote:
Sounds like you deal with a lot of independents
Nope, most of the companies we deal with are exclusive lines for agents, not all but most. And my experiences are nationwide with a multitude of carriers. Although I understand where it comes from but usually the bad side of my job is related to agents not providing or explaining the appropriate coverage for insured. The agents are playing the quote game so they have a limited deck to work with and they don’t always make additional money on extended or appropriate coverages, but at least hit them up on the renewals.
This post was edited on 10/9/18 at 9:23 pm
Posted on 10/9/18 at 9:43 pm to NYCAuburn
quote:
e agents are playing the quote game
More like the customers, because they see nothing other than price. What’s the cheapest shite insurance I can buy
Posted on 10/9/18 at 9:46 pm to DCtiger1
Yeah but the agents play along with it. Like I said, I understand where it comes from, but majority of coverage issues I deal with besides overall limits are agent related. Again , after first year give a call and go over any limit not just deductible and overall limits.
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