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Insurance coverage question regarding damaged flooring
Posted on 7/6/22 at 1:07 pm
Posted on 7/6/22 at 1:07 pm
Looking for any other OTers that have experienced damaged flooring that they had to make a claim on. Insurance company is telling me they only cover to the door frame and not all connected flooring. The problem is it’s carpet which has been discontinued so they’re suggesting I connect different carpets to each other which ranks pretty high on the ghetto scale IMO.
Spoke with my insurance company on different property and just asked how they cover and he said they always cover all connected flooring and had never heard of stopping at a door frame.
Is this common/not common? Any help would be greatly appreciated. Don’t feel like getting a lawyer involved to fight over a couple thousand dollars
Spoke with my insurance company on different property and just asked how they cover and he said they always cover all connected flooring and had never heard of stopping at a door frame.
Is this common/not common? Any help would be greatly appreciated. Don’t feel like getting a lawyer involved to fight over a couple thousand dollars
9
Posted on 7/6/22 at 1:10 pm to TitleistProV1X
quote:
Spoke with my insurance company on different property and just asked how they cover and he said they always cover all connected flooring and had never heard of stopping at a door frame.
well not that it helps you now, but at least you know where to switch your coverage over too after this is all sorted out
what happened to cause the water damage?
This post was edited on 7/6/22 at 1:11 pm
Posted on 7/6/22 at 1:10 pm to TitleistProV1X
Carpet? Gross
Posted on 7/6/22 at 1:13 pm to TitleistProV1X
quote:
Looking for any other OTers that have experienced damaged flooring that they had to make a claim on. Insurance company is telling me they only cover to the door frame and not all connected flooring.
If there is a door there as well, then that’s pretty common.
Say the living room is damaged and the hall is connected by an opening without a door, they should cover the LR and hall, but not the bedrooms that are all separated by a door.
Posted on 7/6/22 at 1:13 pm to TitleistProV1X
You're paying ded anyway, so rip it all out. Upgrade.
Posted on 7/6/22 at 1:28 pm to Sao
quote:
You're paying ded anyway, so rip it all out. Upgrade
Definitely have to. I have never been in a house in my life that has two different carpets connecting
Posted on 7/6/22 at 1:32 pm to TitleistProV1X
This is from the 80s. But parents filed claim on carpet damaged by fireplace embers popping out. Only covered to hall doorway. Was actual door there.
Posted on 7/6/22 at 1:34 pm to TitleistProV1X
This happened to me recently and I went to war with adjuster.
Not doing 2 different floors (mine was also discontinued).
I threatened to hire independent adjuster that would start my claim over and squeeze them for every penny.
They replaced the entire floor.
Not doing 2 different floors (mine was also discontinued).
I threatened to hire independent adjuster that would start my claim over and squeeze them for every penny.
They replaced the entire floor.
Posted on 7/6/22 at 1:45 pm to TitleistProV1X
quote:
Insurance company is telling me they only cover to the door frame and not all connected flooring. The problem is it’s carpet which has been discontinued so they’re suggesting I connect different carpets to each other
Time to public adjuster or lawyer up, bud. That’s not right because you were just about to have the doors removed when the damage occurred. Right? RIGHT??
This post was edited on 7/6/22 at 1:47 pm
Posted on 7/6/22 at 1:49 pm to TitleistProV1X
This is common. They go to the threshold which is a doorway. (Unless it’s double French doors that stay open). You do not have a stain in one room on carpet and get the entire home replaced.
It’s not uncommon to have different flooring In Different rooms and with carpet, you can always get something really close.
If you had wood or tile there may be some counter arguments, it just depends, but on carpet it is not an issue.
It’s not uncommon to have different flooring In Different rooms and with carpet, you can always get something really close.
If you had wood or tile there may be some counter arguments, it just depends, but on carpet it is not an issue.
This post was edited on 7/6/22 at 3:54 pm
Posted on 7/6/22 at 1:53 pm to TitleistProV1X
USAA would only cover flooring in the affected area. The remaining of the contiguous flooring had to be replaced out of pocket. It likely depends on how the policy is written.
Posted on 7/6/22 at 2:10 pm to ItTakesAThief
quote:
If you had wood or tile there may be some counter arguments, it just depends, but on carpet it is not an issue.
If he had wood or tile it would’ve been treated the same way and stopped at doors.
Posted on 7/6/22 at 3:51 pm to CaptainsWafer
Depends on how the floor is laid through the doors. Also depends on whether there are existing t mouldings in the doors.
This post was edited on 7/6/22 at 3:52 pm
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