Home Leak, Insurance Question

[El Gitano]

Any guidance or advice will be appreciated.

I bought my house in 2008, it was built in 2003.
Last month I got a pipe leak behind the fridge. I called the plumber and he fixed it. A week later, I got another leak. They came back and said it was slab leak and did a temporary reroute and recommended a permanent reroute. Overall quote to repair it is $2,300.

I contacted my insurance and they advised they would pay for it, my deductible is $1,000.

They sent a guy to dry out the wet walls but the guy said he can’t just dry the walls because there’s been two leaks in a months’ time. Mold might have already started to form. His professional advice is to tear down 3 major walls and other walls/cabinet drawers, etc. He said it would take about 1 month to do the tear down and it would cost around $15,000 - $20,000 and scarred me by saying that my insurance might not even cover it. His personal advice is to hire him and buddy of his to dry the walls at $500-$700.

I refused to sign the work order as I wasn’t sure how much of that my insurance would pay. My insurance is QBE Insurance.

My insurance called me today and said they would pay for the whole tear down and they would pay for the rebuilding of it, no matter the cost, I just need to find the contractor to do it.

I don’t trust him. I asked him if he could send me an e-mail stating what we had just discussed, he laughed and said, “You don’t trust me” but said he would send me the policy, which he did, but it’s like a generic policy, “Homeowners 3 Special Form.”

So I don’t know if I should trust the insurance or not? Should l go forward with the demolition and reconstruction, risking them not covering it or all of it even though they said they would or just pay the guy his $500-$700 to dry the walls and risk it with the mold?

Has anyone had a similar situation?

[TBear]

About two years ago a small part broke on our dish washer and we had a leak. Funny that we did not notice it until I found a puddle in the hall way. (LOL the fist thing I did was punish the poor dogs).

Turned out it was behind the walls and throughout the house. The insurance company came out and said they would replace the walls, all the carpeting, the kitchen flooring and the kitchen cabinets. At first they were going to replace the lower cabinets but when they didn't match the did the top ones too. On top of all that the insurance company paid for four nights in a hotel and meals out while our kitchen was down.

They also paid thousands for a company to bring big fans into our house to dry inside the walls.

With us we always were better letting the insurance pick the contractor/repair crew. That way the work is sure to be done to everyone's satisfaction. If they say find someone yourself go for a bigger, licensed bonded company that takes pride in their company reputation.

BTW that major claim above was cause by a $2.65 part breaking on the dishwasher.

[BERNIE'S CORNER]

Any guidance or advice will be appreciated.

I bought my house in 2008, it was built in 2003.
Last month I got a pipe leak behind the fridge. I called the plumber and he fixed it. A week later, I got another leak. They came back and said it was slab leak and did a temporary reroute and recommended a permanent reroute. Overall quote to repair it is $2,300.

I contacted my insurance and they advised they would pay for it, my deductible is $1,000.

They sent a guy to dry out the wet walls but the guy said he can’t just dry the walls because there’s been two leaks in a months’ time. Mold might have already started to form. His professional advice is to tear down 3 major walls and other walls/cabinet drawers, etc. He said it would take about 1 month to do the tear down and it would cost around $15,000 - $20,000 and scarred me by saying that my insurance might not even cover it. His personal advice is to hire him and buddy of his to dry the walls at $500-$700.

I refused to sign the work order as I wasn’t sure how much of that my insurance would pay. My insurance is QBE Insurance.

My insurance called me today and said they would pay for the whole tear down and they would pay for the rebuilding of it, no matter the cost, I just need to find the contractor to do it.

I don’t trust him. I asked him if he could send me an e-mail stating what we had just discussed, he laughed and said, “You don’t trust me” but said he would send me the policy, which he did, but it’s like a generic policy, “Homeowners 3 Special Form.”

So I don’t know if I should trust the insurance or not? Should l go forward with the demolition and reconstruction, risking them not covering it or all of it even though they said they would or just pay the guy his $500-$700 to dry the walls and risk it with the mold?

Has anyone had a similar situation?

Gitano you have home owners insurance right ???

You said you called a plumber.

Was this plumber contracted by insurance ?

Either mold has formed or it hasn't. They specialize so they will give you a yes or no.

Either dry wall needs to be replaced or not. Your home owners insurance should cover it..

What about flooring/carpeting ?

If you have home owners insurance you're covered for everything.

Leave no stone unturned. If anything else was damaged due to water damage they will cover everything.

You're responsible for deductible only.

[[ DUBBZZ ]]

I just went through a similar situation with my mom's house.

The water heater leaked and damaged the floors.

My insurance company told me find a contractor to write an estimate of repairs and he would send me a check. The house is pretty old so the contractor wanted to get the floors tested for asbestos.

The insurance adjuster sent me a preliminary check to get the work started.

My contractor said **** that, he ain't starting until he knows the insurance will pay for the full repairs because I shouldn't have to pay anything out of pocket. (Besides my deductible)

They went back and forth until they finally decided on an exact dollar amount.

Got a supplement check in the mail.

They literally just finished the floors about an hour ago.