Insurance Question
Cookie8
6 years ago
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sushipup1
6 years agoSaltiDawg
6 years agolast modified: 6 years agoRelated Discussions
Newbie insurance question
Comments (6)In my experience it might be hard for you to get insurance on the property. The builders insurance should cover most things like theft or the house burning if they have builders risk. If they don't make them get it. It prob won't cover theft of anything stored in the garage if it is yours and not bought by the builder. You could probably get some type of home owners ins on the garage though which should cover your property. Your builders general liability and workers comp will cover anyone getting hurt. I had a hard time getting those coverages since mine is owner/builder. Nobody wants to insure that!...See MoreHomeowner's insurance question continued
Comments (11)To mepop, Thanks for your reply. I question your observation that the depreciation is due to poor maintenance. I keep everything up the way it should be kept. ( I admit that keeping very light colored ceramic tile spotless is hard with 3 big dogs). lol But, I do the best I can. Is it normal maintenance to remove the bottom panel of the dishwasher to check for leaks? I am a 66 year old retired female and don't recall ever hearing of a homeowner checking under there. I am going to purchase a sensor that detects water leaks which is a very cheap solution to the mess I have now. The dishwasher was purchased the end of 2012 and installed by the dealer and I had them out several times at the end of 2013 before the warranty ran out although there is a 10 year warranty for major components. There is no way to know how long it has been leaking but I sent the defective part that they replaced to the insurance company for possible subrogation. The bug situation are bugs that are called sowbugs ( they gather in damp places and to me look like tiny armadillos). The way I found them was I took up the transition piece between the laminate and the ceramic tile and they were crawling around on the plastic soft floor stuff. That was when I realized I had a big problem. If all the floor was tiled, I would have no way of knowing there was a leak until the floor all fell in. I am the one who crawled around in the 3 foot crawlspace and pulled wet insulation down to find the source of the leak and I also put a big fan and a dehumidifier down there to dry it out. I talked with the insurance adjuster yesterday and they are going to change the estimate to reflect the difference of subflooring and are going to leave it open ended for additional damages as the demo proceeds. Yesterday the flooring guy was here and he said you need to get that dining room flooring up sooner rather than later because that will have black mold under there so I moved all the dining room furniture out and took up all the flooring and plastic stuff, sprayed the wet plywood down with a bleach solution and got a fan running on it. Does that sound like a person who doesn't do maintenance? I may just paint that subfloor to seal in any mold until the contractor gets here. I had no plans for redoing the bathroom; it was perfect just the way it was....See MoreInsurance Question
Comments (2)Who hired the contractor(s)? Are you looking for the cash, or getting the work done correctly? If it was the insurance company that did the contracting, they should not close out the claim until the job is done correctly, or they have paid you what it would cost to get the job fixed (you should get written estimates). JMHO...See Morehomeowners insurance question
Comments (1)Yes....See Moresushipup1
6 years agoapg4
6 years agoSaltiDawg
6 years agoCookie8
6 years agojimct01
6 years agoSaltiDawg
6 years agoapg4
6 years agotoxcrusadr
6 years agoSaltiDawg
6 years agoDYH
6 years agoSaltiDawg
6 years agolast modified: 6 years agoSaltiDawg
6 years agolast modified: 6 years ago
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