Water Damage/Is seller accountable???
parkerjenn4911
7 years ago
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parkerjenn4911
7 years agomillworkman
7 years agoRelated Discussions
Water damage -homeowners insurance
Comments (6)And remember that if you even call your agent about it, it can adversly affect your insurance policy. People on the 'net have been discussing how some insurance companies now use insurance scores to determine potential risk. This uses your credit score and the past history of making claims on your homeowners insurance - or previous owners of your home's past homeowner's insurance claims - to set your insurance rates. Every time you use your insurance, you risk having your rates go up or your policy cancelled. So always read your policy before calling your agent to find out if you are covered for a claim. Plan to use your insurance only for catastrophic claims and increase your deductible to at least $1000. Make it $5000 if you can afford to. Using your insurance for small claims will drive up your costs, so save money by having a high deductible and then have a savings account to use to make repairs under $5000 -or to pay the deductible on large claims. I had along-term leak in a roof that was fixed shortly after I moved into my last house. 10 years later, I had that part of the house remodeled and the ceiling was replaced. The contractor found that the roof rafters there were rotting. Two were rotted through - as was the header between this former porch arera and the kitchen. We were lucky that it had not collapsed. Since it was a long-term, slow leak, it was not covered by homeowners. The agent gave me this way to figure out if something is covered: If it happend slowly after time, it is a regular repair, no insurance involvement. If you can name a date in which an event happened (the August 12th windstorm), it may be covered. Best of luck in repairing your home. I hope you have the opportunity to do some updates (even just extra insulation) while you are tearing things apart....See MoreWater damage to interior wall where fireplace was installed
Comments (8)Your aunt now needs a Professional Engineer who specializes in structural issues to determine exactly what needs to be done to fix the damage properly. There is an excellent chance that the fireplace will have to be removed and replaced. In addition, water intrusion usually means mold. They therefore need to hire a reputable environmental firm that specializes in air quality and mold testing (that employs professionals with a degree in biological sciences in order to be assured that they understand proper testing protocolÂ..something that canÂt be learned in a quickie 8 hour "Mold-Is-Gold" course taken by many HIÂs) in order to determine if there is a mold issue...and then have it remediate. They need to get estimates on all of this directly from the professionals that would actually perform the work in order to be best positioned to negotiate with the seller. If the town requires permits for such work, as most do, it seems as if those were not obtained. If so, and if the work was performed for the seller by a reputable contractor, they may have recourse with him/her. In addition, depending upon the disclosure laws in your state, the seller may very well now be on the hook for disclosing all this to the next buyer, so IMO it would be in their best interests to resolve the situation now with you aunt if at all possible. Best wishes to your aunt....See MoreWater damage to lake house kitchen
Comments (5)My house went under water in the April flood in Houston. We were required by fema to remove all drywall to the studs going up at least 4 feet from the floor. That's because the drywall wicks it up and mold will begin to grow literally in hours. So that meant all cabinets and anything else attached to the walls had to be removed up to 4feet high. All the kitchen cabinets lowers, all vanities, all inside closets. The entire house was down to bare studs from 4feet. We could see through from one end to the other. All floors except tile had to be removed. Extremely large noisy dehumidifiers were placed all over the house to dry out the wood. Everything had to be treated with a special mold prevention solution. It happened in April we finally got back in the house in mid December. It is the single most horrible thing we have ever been through. I am sure you are not facing as extreme or extensive repairs but that's a summary of what was required in our water damage situation. We dealt strictly with the fema flood insurance, still insurance. The worst part of the whole thing is that since we still had a mortgage on the house insurance made the check payable to us and the mortgage company. The mortgage company made us sign the check and send it to them, they immediately deposited into their account and began getting interest and using it for investment. We got none of that. Then we could not get them to give us the money to pay for the repairs, they make you jump through so many hoops and send in tons of paper work, have inspections, and will dole out a few hundred dollars at a time. I just last week got the final check from the mortgage company of our fema insurance money! It's the biggest racket going. The mortgage companies are raking in the money from all of the disaster victims, thousands and thousands of dollars in their accounts for as long as they can possibly hold on to it while the poor disaster victims are trying to get their homes livable....See MoreComplete Kitchen Remodel for Resale Due to Water Damage
Comments (17)Agree with the above. While I personally think espresso cabinets would be pretty, white will appeal to the most buyers. And please don’t do one color upper and one color lower cabinets (which you didn’t say but someone above suggested). While that may be a trend there are many people who would be turned off but it. Since you know you are selling I would go for the most basic, bright, pretty kitchen that appeals to the most people. As others said, let the buyer pick their own backsplash. A painted backsplash is fine. You could even give a backsplash allowance if you wanted. Pergo flooring would be a turnoff for many in my area too. Most of the houses that sell quickly for the most money here either have hardwood throughout or hardwood in the main living areas and tile in the kitchen, but that may be very market dependent. If you look at recently sold and under contract houses in your area you can get a fee if laminent is the norm or not....See Moretoxcrusadr
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