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Started By
Message
re: Leak caused floor damage
Posted on 12/14/23 at 10:55 am to stout
Posted on 12/14/23 at 10:55 am to stout
quote:
Then replacing the flooring.
They do not have to pay to replace the entire floor in LA. They only have to pay for the damaged area even if the color does not match. Louisiana has no matching law for insurance.
He has engineered wood floor. Super easy to match if it's fairly new. It's not true wood where they have to stain real wood.
0
Posted on 12/14/23 at 11:00 am to KemoSabe65
quote:
May not be covered, “sudden and accidental” is not what you have going on.
This was my first thought as well.
Posted on 12/14/23 at 11:02 am to man117
If you file a claim it will follow you for five years after and if you move and look for new insurance it will be higher. This happened to me after I had a major water leak in bathroom and had to have a Servpro type company come in with dryers for a full week to save my wood floors. Insurance quotes on new house were $1500 /yr higher once they pulled up the claim.
Posted on 12/14/23 at 11:26 am to man117
man, you are likely going to have moisture/mold underneath your cabinets as well. If so, the lowers will almost certainly need to be pulled. You need a professional, unless you want to spend your next couple of months dealing with the repairs on your own and in hopes you can fully remediate the mold. And as others have said, your loss may not be covered. Many insurers are declining coverage under the sudden and accidental clause more and more often lately, especially the carrier I'm guessing you have based on the $5k mold limit.
Posted on 12/14/23 at 11:35 am to MyRockstarComplex
quote:
What brand is your dishwasher? The source of the leak can be about a million things, and every time you think you fixed it and start the repairs elsewhere, the leak will come back.
Unless you have a Bosh, it may just be worth replacing.
Whirlpool and will most likely just replace it due to age (7 years old).
Posted on 12/14/23 at 11:37 am to mtcheral
quote:
If you file a claim it will follow you for five years after and if you move and look for new insurance it will be higher. This happened to me after I had a major water leak in bathroom and had to have a Servpro type company come in with dryers for a full week to save my wood floors. Insurance quotes on new house were $1500 /yr higher once they pulled up the claim.
At this point, it's looking like I won't file a claim. Paying a 1k deductible with the risk of being capped at 5k or being outright denied isn't worth it.
Posted on 12/14/23 at 11:47 am to Dusty Bottoms
quote:
man, you are likely going to have moisture/mold underneath your cabinets as well. If so, the lowers will almost certainly need to be pulled. You need a professional, unless you want to spend your next couple of months dealing with the repairs on your own and in hopes you can fully remediate the mold. And as others have said, your loss may not be covered. Many insurers are declining coverage under the sudden and accidental clause more and more often lately, especially the carrier I'm guessing you have based on the $5k mold limit.
I pulled more apart and was able to assess the cabinets. It doesn't look like water went under the cabinets. A little bit of mold at the corner of one of the cabinets is all there was. I don't think it's been leaking for a long time. I'm going to pull some more flooring to be sure, cut out that corner, clean and then test for mold using the test Stout mentioned.
Posted on 12/14/23 at 11:49 am to man117
quote:
Whirlpool and will most likely just replace it due to age (7 years old).
As was mine. We thought it was the door, then the gasket, then the wash arm. Ultimately it turned out to be the float that engaged the switch that activated the tub drain.
Posted on 12/14/23 at 11:52 am to man117
quote:
At this point, it's looking like I won't file a claim. Paying a 1k deductible with the risk of being capped at 5k or being outright denied isn't worth it.
The mold remediation would likely not touch the $5k limit. A good restoration company will convey to the adjuster that most of the work necessary is due to water damage, not mold. Mold coverage would be used for any containment, hepa air filtration, and hepa vacuuming and wiping down the area affected. If when pulling the flooring and searching for the water line this looks bigger than you want to handle on your own, definitely inquire with your carrier whether this would be a covered loss. You shouldn't have to open a claim to get that answered.
Posted on 12/14/23 at 11:53 am to Apache
quote:
Report a claim. Don't mention to them that it was a slow leak. Don't mention mold. Tell them you stepped in a puddle near your dishwasher suddenly one day.
It December, not right after a storm where they have a bunch of new independent adjusters running around. Pretty much everyone working daily claims in December knows what they are doing and can pick that out within the first minute that they inspect the home.
Posted on 12/14/23 at 5:47 pm to tigburls
quote:
I assume you are in an older house. We had the same problem, thinner slab with an inefficient/deteriorated barrier under the slab. Found a company that typically did garages and driveways etc.. They came in powersanded the slab to open concrete and applied an epoxy that looked like a basketball court. Havent had a moisture problem since.
probably 1995ish. I was going down the epoxy route but talked to a technical salesman from Mapei. He said he could sell me epoxy but it would likely fail.
What did you put on top of the epoxy? Are you in the BR area? Got a name?
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