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Posted on 5/15/20 at 9:02 am to Ponchy Tiger
That sucks. I had to remove we carpet and padding from my In'Law's house before. That stuff gets heavy and gross to handle.
Hope insurance makes it right
Hope insurance makes it right
Posted on 5/15/20 at 9:05 am to Boudreaux35
quote:
3. Start removing all furniture, carpet/flooring, and sheetrock up to about at least a foot above the waterline. Leave a small section of sheetrock in each room, maybe a foot wide to prove the water level IN EACH ROOM.
Again, I would not remove anything until you speak to your insurance company. Get their confirmation before you proceed with removing drywall, contents, or insulation.
I watched a very good friend of mine battle with his insurance over reimbursement after he went in and cut out 24” in his house. Take a ton of photos, use a tape measure in the photos especially if you can point out water lines, and call your company to get confirmation that you can proceed with removal.
Also, don’t take bids from guys walking down the street offering services. Ask for licenses and insurance. A bunch of people got screwed by unlicensed contractors in 2016.
Posted on 5/15/20 at 10:24 am to CaptainsWafer
quote:
If it’s flood insurance it’s through the NFIP, aka the government.
I know, but you don't deal with government employees when "negotiating" the claim. They have companies contracted to do it.
Posted on 5/15/20 at 10:27 am to NYCAuburn
quote:
the last part really made me lol.
Not so funny if its your own claim that you have to fight this with. I use "fight" for lack of a better word. A fight would suggest that you have a chance at winning. With insurance, the best you can hope for is the typical "We're sorry, that's all we can do."
Posted on 5/15/20 at 10:35 am to Boudreaux35
A few years back my house did not flood while my neighbors did.
We took pictures of each room with rulers showing the water height. Then pictures of the water marks with a ruler in each room after the water left.
I thought he would not need pictures.
One day he calls me and asked for the pictures taken with the rulers showing the height of the water.
Never thought that would help him out until he started having problems with the insurance adjusters. Once he showed the pictures he got his claims paid quicker.
We took pictures of each room with rulers showing the water height. Then pictures of the water marks with a ruler in each room after the water left.
I thought he would not need pictures.
One day he calls me and asked for the pictures taken with the rulers showing the height of the water.
Never thought that would help him out until he started having problems with the insurance adjusters. Once he showed the pictures he got his claims paid quicker.
This post was edited on 5/15/20 at 10:37 am
Posted on 5/15/20 at 10:39 am to East Coast Band
quote:
Immediately get SErvpro or similar out there getting the water out
Can't be stressed enough. I had a small water leak in my house that I discovered Mardi Gras day. Apparently the lead had been running for a while, because water was under all of my wood floors throughout most of the house. Service Masters came the next day and was able to get everything dry and mold free.
Posted on 5/15/20 at 10:41 am to Ponchy Tiger
Makita drywall saw is worth the 300 bucks.
Posted on 5/15/20 at 11:33 am to Ponchy Tiger
quote:
My cousin got 4-5 inches in his entire house. He is fully insured homeowners and flood. What steps should he take and what should he expect? Any advice is appreciated.
Definitely get a cleanup company ASAP- If you need a recommendation for LA, let me know. My buddy owns a company in Laffy, but they serve the whole state
Posted on 5/15/20 at 11:47 am to elprez00
quote:
Ask for licenses and insurance. A bunch of people got screwed by unlicensed contractors in 2016.
The guy that screwed over thousands in the area that was talked about on this board a bunch was a licensed contractor.
Posted on 5/15/20 at 11:50 am to Ponchy Tiger
File a claim with his insurance company and take LOTS OF PICTURES and DOCUMENT EVERYTHING. If he has Content Coverage they will cover basically anything the water touched, but he has to have good pictures of the items and if possible pictures showing the items wet (for furniture at least).
Posted on 5/15/20 at 12:00 pm to Boudreaux35
quote:ACV, Market Value, all the terms referring to some sort of depreciation, are a policy type you signed up for. its not bullshite, its the product you purchased.
Not so funny if its your own claim that you have to fight this with. I use "fight" for lack of a better word. A fight would suggest that you have a chance at winning. With insurance, the best you can hope for is the typical "We're sorry, that's all we can do."
You can also purchase replacement/restoration endorsements, stated value and replacement up front policies as well. However they are more expensive and most people purchase others or simply dont even know what they are purchasing.
It sucks, but its not the insurance companies fault, its either yours, your agent, or a combination of the two
Posted on 5/15/20 at 5:53 pm to LSUBFA83
quote:
Funny thing is, the contractor who was helping with repairs said that it was easier to replace the 4 feet than to cut the sheetrock at 18” s
It’s not funny really. Sheetrock comes in 4X8’ boards laid sideways. It’s way easier to cut out a full board than cut a board in half and try to match it to your previous cut. It also promotes less waste.
Posted on 5/15/20 at 6:12 pm to Ponchy Tiger
Break every window in case there's a gas leak.
Posted on 5/15/20 at 6:21 pm to Ponchy Tiger
Homeowners insurance most likely isn’t going to cover flood. Rising water is usually excluded. I agree with the others that are saying call a mitigation company ASAP. Call his flood insurance company. Be sure he reviews his policy to see what his limits are and what his contents are covered at, ACV, or RC.
Posted on 5/15/20 at 6:41 pm to Screaming Viking
quote:
Turned out to be no big deal because it was my neighbor’s tree that had fallen THROUGH my house.
quote:
My company, that will be reimbursed every dollar, offered me less than $9000 in the beginning.
So your insurance company is getting reimbursed (I'm guessing by your neighbor's insurance) for damage done by a neighbor's tree? What state are you in? Because in Louisiana, I believe if a neighbor's tree falls on your house, you and your insurance company are stuck with covering the damages, unless you can prove that the neighbor knew the tree was unhealthy. The neighbor has to remove the tree, but doesn't have to pay for the damages to your house.
Posted on 5/15/20 at 6:43 pm to Ponchy Tiger
quote:
My cousin got 4-5 inches in his entire house.
Yeah, but I bet he told the insurance agent it was 6-7 inches.
Posted on 5/15/20 at 6:46 pm to Ponchy Tiger
Wear does he live?
Posted on 5/15/20 at 6:54 pm to Ponchy Tiger
Wait until you hear what this one guy wants to do. He wants to build entire cities underground. Talk about flooding. What a loon!
Posted on 5/15/20 at 7:12 pm to Ponchy Tiger
Take pictures of everything then start hauling all the junk out to the street.
Hope he had a pretty organized house or it will be a major pain
Hope he had a pretty organized house or it will be a major pain
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