Consumption and Real Estate
I had a pipe burst under my house about 3 years ago and now my floor is roting can i claim on homeowners ins?
Question : I had a pipe burst under my house about 3 years ago and now my floor is roting can i claim on homeowners ins?
I had a pipe bust under my house about 3 years ago and we fixed it ourselves. Now, our bathroom floor is roting and the beams under the house are roting and we run the risk of the floor caving in. Can I claim this on my homeowners insurance?
homeowners ins
Best answer:
Answer by vin91
It falls under water damage. Unless you have a really cheap policy, you can claim it. But, they may want to know why it took so long to spot the problem. They may also say that you could have had bad flooring when you bought the house, so that you’ll have to let them inspect it.
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#3 written by RonH 1 year ago
I don’t think they do anything about the pipe from 3 years ago, as I believe you need to report it at the time of the event.
We came home from work one day to find our dining room ceiling all over the dining room table and floor. Apparently water had gotten in the ceiling and over time got to the place that it just caved in – no warning, we never saw a bulging – it just happened. Insurance adjuster came out and took pictures, poked around a little bit, he did suggest that we had not properly maintained the roof and permitted water migration??? … but a couple days later gave us an estimate of what he thought it would cost to replace/repair it. We had the work done and they paid not only the estimate, but a little more as the contractor itemized why their estimate was off and they went with the ‘professional contractors’ bill.
You might be able to claim the current issue – floor and beams rotting, they will investigate, you will have to pay your deductible and you may have to get a licensed contractor to do the repair.
I would simply call them and ask. They can say yes or no, but at least you’ll find out for sure.
Good luck!
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Hmmm.. that’s gonna be tricky dear since you fix alone the problem before and you didn’t inform your insurance company and now this problem occur was connection of the problem before 3 years ago.So the chances are 50/50 because they examine the area and they can easily notice what the cause of the damage.And this case the insurance company has a scapegoat you know why? because they can tell you that this damage was connected for the problem before which is you didn’t inform the office and also it’s been 3 years past now.So just try your luck maybe the insurance company will give you some amount but for sure not the total cost you spend to fix this problem.