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FDP Forum / Moe's Tavern (_8^(I) / Had some water damage , now having to deal with an adjuster.....Uggh

budg
Contributing Member
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ohio

Home of the Goodyear blimp
May 16th, 2019 11:09 AM   Edit   Profile  

Friday night I was down in the family room in the basement level when I noticed water dripping on my home theater system . Covered it and unplugged everything. The adjacent laundry room (which is about 4 inches lower) had about an inch of standing water . Went upstairs . The dinette had almost an inch of water on the floor and water coming from the ceiling. Went upstairs and found another inch of water in the bathroom. The supply line had broke on the toilet.

Once I shut it off I got towels , buckets and a shop vac out . We got most of the water on the floor up we started fans and buckets . I poked holes in the ceiling to let out water .

In the morning the cleanup crew came and removed all the flooring in the dinette , all of the insulation in the basement ceiling and set up fans and dehumidifiers on all 3 floors.

After 3 days the basement and bathroom were dry, but the walls in the dinette. The cleanup company wanted to pull the plaster ceiling down as well as the walls because they werent drying , but the adjuster wanted them to try a method where they put holes in the walls and inject hot air in them to dry it out. After 2 days the walls arent drying out .

The adjuster came and told the crew they werent doing it properly. The guy has 8 years of experience and disagreed. So now it appears that we might have another 3 days of high decibel noise(these things are loud ) to try to dry it out and even then there is no guarantee.

I would just like to get at the point where we can start putting the house back together because right now it looks like a construction zone.

I threatened to cancel my policy if I did some results. Is there any recourse to get satisfaction?

Mikeyguitar
Contributing Member
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PA - USA

THAT...IS...RIGHT!
May 16th, 2019 11:28 AM   Edit   Profile  

We went through a similar thing last summer - probably not as bad as you, though, because our issue was in our unfinished basement.
Still, lots of damage because we had a lot of stuff down there.

In our case, the crew sort of messed up when they said they were going to do some of the work. Still, just be patient until they get it together. No sense getting more stress out in an already stressful situation.

mfitz804
Contributing Member
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Staten Island, NY

Our resident rational liberal
May 16th, 2019 11:45 AM   Edit   Profile  

"I threatened to cancel my policy if I did some results. Is there any recourse to get satisfaction?"

Contact a public adjuster. They'll deal with the insurance adjuster directly for a percentage of what you recover.

A good one will be able to increase your take sufficiently to cover their fee and then some.

budg
Contributing Member
**********
********

ohio

Home of the Goodyear blimp
May 16th, 2019 11:49 AM   Edit   Profile  

Thanks guys . If I’m not happy with his answer at the end of the day I will call a public adjuster.

Peegoo
Contributing Member
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Planet Peegoo

Rhythm & Lewd Guitarist
May 16th, 2019 12:03 PM   Edit   Profile  

GOOD advice, Mike.

The insurance company wants the premium on time in full, and then nickel-and-dimes you on recovery.

It's such a scam.

budg
Contributing Member
**********
********

ohio

Home of the Goodyear blimp
May 16th, 2019 12:42 PM   Edit   Profile  

Funny thing is my home theater reciever got soaked and he asked me if i tried to plug it in. Seriously?

Peegoo, yes they want us to pay in , but when it comes time to pay out its like pulling teeth . Im sure their first offer will be some lowball offer. I am going to get all my quotes first before I accept their offer.

budg
Contributing Member
**********
********

ohio

Home of the Goodyear blimp
May 17th, 2019 09:12 AM   Edit   Profile  

Well we had a tiny bit of progress . Tiny. The adjuster is sending a check for cleanup and the repairs with everything except the walls in the dinette. But........the walls are still just as wet as they were before with all that equipment running .

Talked to the demolition people and he says he has never seen an adjuster so unwilling to do the right thing. I would think that servicing the policy would take priority over saving the company money. evidently this is not the case.

He gave me some options ...

have them take down the plaster and lathe at my expense , as well as put up drywall at my expense.

Do nothing and have them remove their equipment . Mold will grow between the walls(this is not a consideration).

Try to work with the adjuster .

I am trying to be patient , so at this time I called my insurance agent and told them my dilema and that I was considering taking my business elsewhere if this doesnt get resolved satisfactorily and in a timely fashion .

Next step is call a public adjuster.We will see where this shakes out. My biggest concern right now is my wifes athsma and dealing with my house being torn up.

JDC
Contributing Member
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Mesa, Arizona

"If it ain't broke, don't fix it"
May 19th, 2019 11:12 PM   Edit   Profile  

Do you have a local T.V. consumer advocate personality? The one where my mom lives (Phoenix area of Arizona) is named Joe Ducey and does an on-the-air segment during the nightly news called "Let Joe Know".

If you do, you might bring the situation to your guy's attention and have him step into the "fray". The consumer advocates that I've seen almost always get results because the only thing that insurance companies hate more than paying out claims is receiving the bad press associated with them refusing to do same.

(This message was last edited by JDC at 01:13 AM, May 20th, 2019)

FDP Forum / Moe's Tavern (_8^(I) / Had some water damage , now having to deal with an adjuster.....Uggh




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