Oh Crap!

Discussion in 'General Discussion' started by Annie, Nov 27, 2009.

  1. Annie
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    Annie Diamond Member

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    Upstairs toilet overflowed from tank for nearly 2 hours. Just called insurance. Water everywhere, from upstairs to basement. Garage. Lots of drywall, carpeting, and painting.

    Adjuster is supposed to call within an hour. Hoping bathtub doesn't fall into garage.

    Just realized I left my purse at Thanksgiving house last evening.
     
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  2. mudwhistle
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    mudwhistle Diamond Member

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    That sucks....
     
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  3. chanel
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    chanel Silver Member

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    That's awful Annie. My husband is a plumber. Two emergency calls from friends last night. Fortunately he was able to talk them through it over the phone.

    How could you forget your purse? A little too much eggnog perhaps? lol
     
  4. mudwhistle
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    mudwhistle Diamond Member

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    I heard plumbers have really long snakes.

    sorry.....couldn't resist the setup.
     
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  5. Mr. H.
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    Mr. H. Diamond Member

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    I've never heard of that happening. There's an overflow valve that s/have prevented it.
    What a drag- good luck.
     
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  6. strollingbones
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    strollingbones Diamond Member

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    call a water restoration service right now....you may be able to save the carpet....pad will have to come out...but they can do amazing things.....if called right away...or just hit the insurance up for full cost....if your insurance agent didnt call them....then go for full replacement
     
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  7. Zoom-boing
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    Zoom-boing Gold Member

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    Oh, that just sucks. Srsly.
     
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  8. editec
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    editec Mr. Forgot-it-All

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    It's probable even crappier than you imagine.

    My guess is you will discover that you home owners insurance does't cover WATER DAMAGE.

    I got that same shock when my basement flooded a decade or so ago.
     
  9. Zoom-boing
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    Zoom-boing Gold Member

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    Re: insurance and and water damage.

    Our basement flooded about 8 years ago due to too much rain and the circuit breaker on the sump pump getting tripped off. Talked to insurance company, nothing covered. Had the cause of the excess water been an interior one, i.e.: water heater leaked, pipe burst, etc., it would have been covered. They said that outside water getting in and causing damage is not covered; inside water causing damage is covered.
     
  10. Annie
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    Annie Diamond Member

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    Nope, water damage is covered. "Sudden release of water." Restoration company coming by noon to set up fans and punch drywall, make initial structural estimate. Allstate has already estimated by phone at least $10k. Wednesday the Allstate adjuster will come and give a list of repairs, painting to be done. They told me there is more damage than I can see. Already found the garage and basement were effected.

    I'll get the referrals Wednesday or have my own pick be here Wednesday to go over. I'll also get check then and a number to call if costs exceed.

    Best part! The mechanism that malfunctioned was less than 10 years old, they are going to try subrogating the deductible to the manufacturer.

    Now if I can only get the drywall, ceramic tile, carpeting and painting done by Christmas. :doubt:
     

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