This sucks. My kitchen has water damage

[70charginglizard]

I was going to install new vinyl in my kitchen this weekend only to discover that the waterline to the refridgerator has been slowly leaking at the fitting and has worked it's way into the subfloor. Its pretty bad. now I'm going to have to make a claim on my home owners insurace and replace all the kitchen sub flooring as well which means this job is going to take twice as long as I thought it was.
Oh well, at least I won't have to pay for the flooring materials and work. Hopefully. It all depends on what the claim adjuster says on Monday.
So much for a quick vinyl weekend replacement job.

[Mefirst]

"Some days life just sucks!!!"

[BigBlackDodge]

I was going to install new vinyl in my kitchen this weekend only to discover that the waterline to the refridgerator has been slowly leaking at the fitting and has worked it's way into the subfloor. Its pretty bad. now I'm going to have to make a claim on my home owners insurace and replace all the kitchen sub flooring as well which means this job is going to take twice as long as I thought it was.
Oh well, at least I won't have to pay for the flooring materials and work. Hopefully. It all depends on what the claim adjuster says on Monday.
So much for a quick vinyl weekend replacement job.

Sorry to hear that!

It's kinda like working on a car. You go and try to fix something simple like an engine miss and before you know it the rear axle is laying in the drive way!


BBD

[mikepmcs]

geez that is terrible.  don't be surprised if the adjuster say no though.  it's happened to me.  but now I got USAA.
good luck
v/r
Mike

[70charginglizard]

geez that is terrible.  don't be surprised if the adjuster say no though.  it's happened to me.  but now I got USAA.
good luck
v/r
Mike

Thats who I'm currently under for home owners insurance. Hopefully the results are good that they will cover it....well see though

[Silver R/T]

hope you get it worked out

[8WHEELER]

They will not cover it, I had a slow leak just over a year ago same thing. They only cover it if it was a burst
or busted fixture problem, they don't cover a leak that has been going on for some time. I have State Farm
but I have heard its becoming and industry rule. We fixed all the sub floor, The guys came out to lay the vinyl
took them 2hrs and cost me 1k for 2hrs labor  .

Dan

[greenpigs]

The guys came out to lay the vinyl
took them 2hrs and cost me 1k for 2hrs labor   .

I found my new job..laying vinyl and tile.

[70charginglizard]

They will not cover it, I had a slow leak just over a year ago same thing. They only cover it if it was a burst
or busted fixture problem, they don't cover a leak that has been going on for some time. I have State Farm
but I have heard its becoming and industry rule. We fixed all the sub floor, The guys came out to lay the vinyl
took them 2hrs and cost me 1k for 2hrs labor  .

Dan

Curious Dan...If you went through all the trouble to redue the sub flooring why didn't you just lay down the new vinyl yourself???

I think your right though. It's sounding like there not going to cover it for the very reason your stating. I do have some mold though that might be covered. Well have to see. Adjuster is going to come over and take a look.

If I'm not covered do you know anyone that can do the new sub floor for me cheap? it looks to me that the sub flooring is going to be the biggest pain in the butt.

So much for any planned inprovements on the lizard for a while. 

Kelly

[greenpigs]

Its nice having a concrete slab for a foundation.

[4402tuff4u]

Hopefully the wood decay did not extend to the floor joist's. If it did, just sister the floor joists with new pressure treated wood. Good luck.

[8WHEELER]

They will not cover it, I had a slow leak just over a year ago same thing. They only cover it if it was a burst
or busted fixture problem, they don't cover a leak that has been going on for some time. I have State Farm
but I have heard its becoming and industry rule. We fixed all the sub floor, The guys came out to lay the vinyl
took them 2hrs and cost me 1k for 2hrs labor  .

Dan

Curious Dan...If you went through all the trouble to redue the sub flooring why didn't you just lay down the new vinyl yourself???

I think your right though. It's sounding like there not going to cover it for the very reason your stating. I do have some mold though that might be covered. Well have to see. Adjuster is going to come over and take a look.

If I'm not covered do you know anyone that can do the new sub floor for me cheap? it looks to me that the sub flooring is going to be the biggest pain in the butt.

So much for any planned inprovements on the lizard for a while. 

Kelly

Kelly
I had over 700sq feet of vinyl to lay, one piece alone of vinyl was 24ft x 12ft and my father-in-law was
going umm I don't want to screw up a piece that large, then the hall way and my second bathroom. They
did a great job, but they sure make a ton of money in 2hrs. No, I don't know anybody that would do
the sub floor, we only had to replace 3 or 4 4x8 sheets of sub-floor, then floated it and let it get good and dry.
Its not a real hard job, but if you have never done it before its a Little scary thats for sure.

Dan

[19Charger68]

I almost hate to admit this, but I have been an insurance adjuster for 35 years.  Depending on your carrier, it may or may not be covered.  Some companies feel that if a slow leak was just discovered, they will consider it sudden and accidental and will cover the loss.  Others will go strictly by the policy language which excludes repeated and continuous seepage and leakage.  Tell the adjuster that you realize it has been leaking for a while but that there was no way for you to know about it until the subfloor started to warp, I have paid for those types of losses given that explanation.  Hope that helps, good luck!

[mikepmcs]

I almost hate to admit this, but I have been an insurance adjuster for 35 years. 

Sorry for the Hijack--
What's it take to become an insurance adjuster anyways? If you don't mind sharing.
v/r
Mike

[19Charger68]

Mike:

Most companies require a degree to start with, then lots of schools and training.  It also requires a lot of patience as many times you are dealing with people who have just had a bad experience and are not very happy.  A general knowledge of vehicle repair and/or building construction is helpful.  Sometimes companies will hire someone without a degree as an auto appraiser if they have some background in auto repair.  Eventually you need to become knowledgeable to some degree in almost every discipline, law, engineering, construction, accident reconstruction, estimating, etc. etc.  If you are really interested, look in your local paper under Insurance and most adds will spell out the qualifications that they are looking for.  Hope that helps!

Bruce

[mikepmcs]

Bruce
Thanks, I'm out, no degree.  Front end mech before I joined the Navy 19+ years ago though.
Just lookin at my options, looks like that one isn't.
Home Depot, here I come.
v/r
Mike

[19Charger68]

Your welcome.  Good luck to you in your search!
Bruce

[8WHEELER]

I almost hate to admit this, but I have been an insurance adjuster for 35 years.  Depending on your carrier, it may or may not be covered.  Some companies feel that if a slow leak was just discovered, they will consider it sudden and accidental and will cover the loss.  Others will go strictly by the policy language which excludes repeated and continuous seepage and leakage.  Tell the adjuster that you realize it has been leaking for a while but that there was no way for you to know about it until the subfloor started to warp, I have paid for those types of losses given that explanation.  Hope that helps, good luck!

Actually I did do that because it was true, we had a drip leak on a hose on the top hose of our hot water tank
We stated having problems opening the door into the room with the furnice an hot water tank. And by the time
we found the leak it had been a few days more and the door would not open and we had to take the pins out.
We told the gal this that came out, and she actually said this kind of thing would have been covered a year ago
but not anymore. She said this is when people start getting mad at her and she can totally understand why, and
this is why she will never own a house she admitted, then to add to that, it gets written up and used as one of
the 3 times you can make a claim, any kind of claim weather they fix it or not, and then they will cancel your coverage,
she says I see it all the time, she did feel sorry for me.

A year later I had 3k worth of tools stolen out of my garage, being worried about getting dropped, I called the guy
at my State Farm office and told him now are we off the record? he said sure no problem, I told him about the tools
getting stolen and he said just buy more tools, It would not be worth making the claim, either they would pay for the tools
then cancel my coverage, or just raise my insurance for the next several years and it would cost me more in the long run,
and he evan said sorry it does suck but that is how it works.............. I had only one wind damage claim before any
of this stuff went on, two limb's through the garage and one in the house from one storm.

Dan