Post by sunshineandpinot on Mar 29, 2015 7:04:28 GMT -5
I'm trying to decide if I should just blow this off or say something.
We have a slab leak (water leak under our house- super fun) and the insurance adjuster came out on Friday. Super nice guy. As he was walking down the stairs he dropped his camera. It bounced down at least three stairs before it landed on the landing. His camera survived. After he left I walked upstairs and sure enough, you can see where his camera fell. Three different spots, small divots. I guess it took the top layer of the floor off because it's lighter; it's certainly noticeable but I wouldn't say it's a huge deal. I'm annoyed. Not furious, but annoyed.
Would you say anything at all?
While I'm at it, I'll update you all on the slab/water leak. Our insurance company is State Farm. The adjuster came out to look at the damage that led us to believe we had a water leak- cracked walls, doors sticking. Super fun stuff. We already had a plumber come out. They spent all day and determined that yes indeed, we have a slab leak. Now the insurance company has to send their own plumber out. If they concur (which they will) they will send out a structural engineer. If they engineer agrees that the damage was caused by the water leak, State Farm will cover all repairs (minus our deductible.) So I'm really hoping the engineer agrees that the water leak has caused the damage. I cannot imagine it was caused by anything else (it's pretty significant, not just typical house shifting stuff I do not think.) One thing we learned was we we should have called State Farm when we first suspected a leak bc we have to pay out of pocket for our first plumbers (~$800.) But to me that seems weird to call your insuarance company just bc you suspect a problem. So that's where we are right now.
Post by bullygirl979 on Mar 29, 2015 9:24:48 GMT -5
If you think it is going to bother you, then yes, definitely say something. I guess I would err on the side of caution and say something now. Better now than in 3 months when you're looking at it everyday and it really starts to bother you.
I wouldn't say anything, but my HW floors have tons of dings and scratches. Here's the thing, what do you have to gain by saying something? Do you want them repaired? Do you just want them to know? What would be involved in a repair, sanding and refinishing? Replacing the treads?
It was obviously an accident and not a careless one. I assume he was wasn't just tossing his camera around.
I would say something now if you think it will continue to bother you in the future They may be able to include the repair in the total cost of the repairs of the slab leak. It sounds like it's something that they may be able to buff out?
We had a slab leak before but didn't even call our insurance company because we didn't want to file a claim and we caught it early before any damage was done to the walls or anything so it likely wouldn't have been covered anyways. Total cost of repairs was around $1800 but it was a PITA since they had to rip up our carpet (luckily it wasn't an area that had tile or laminate), jackhammer a large hole in the cement floor and dig through the dirt. It took a very long day (the plumber didn't leave until after 10pm) for the repairs to be completed.
We had a slab leak before but didn't even call our insurance company because we didn't want to file a claim and we caught it early before any damage was done to the walls or anything so it likely wouldn't have been covered anyways. Total cost of repairs was around $1800 but it was a PITA since they had to rip up our carpet (luckily it wasn't an area that had tile or laminate), jackhammer a large hole in the cement floor and dig through the dirt. It took a very long day (the plumber didn't leave until after 10pm) for the repairs to be completed.
I am utterly amazed you repaired your leak for $1800. Our plumbers have estimated $8K, and that's just the leak. That doesn't even touch the interior damage or foundation repair (if needed.) :/
Post by sunshineandpinot on Mar 30, 2015 6:42:46 GMT -5
It was for sure an accident and they're small divots. But I will notice it every time I climb the stairs. It's just annoying. And ironic that he's my insurance adjuster. And I wish he would have said something bc I'm sure he noticed them. I probably won't say anything bc I don't know what I expect.
Ok. Considering they're not reimbursing you for even a percentage of the original plumber's visit, I'd probably try to see what I could get. Sure it was an accident, but I'd also be pretty annoyed he didn't say anything. I really don't know what you should request, though- sorry.
I would let them know about the dings, and that at the time you were concerned about the inspector's camera and didn't see the damage until after he left. Take pictures...I have had people ask me to email photos of the damage.
They may or may not do anything about it, but I would be annoyed with myself if I didn't ask. I am not a litigious person, and I am very forgiving, but I feel that businesses need to know when one of their employees has damaged something,(even if it is an accident), as an fyi if it isn't a huge issue- in case there is a problem later, or so that they make the decision whether to fix or not. At least I know that I tried and can move on without always wondering about it.
We had a slab leak before but didn't even call our insurance company because we didn't want to file a claim and we caught it early before any damage was done to the walls or anything so it likely wouldn't have been covered anyways. Total cost of repairs was around $1800 but it was a PITA since they had to rip up our carpet (luckily it wasn't an area that had tile or laminate), jackhammer a large hole in the cement floor and dig through the dirt. It took a very long day (the plumber didn't leave until after 10pm) for the repairs to be completed.
I am utterly amazed you repaired your leak for $1800. Our plumbers have estimated $8K, and that's just the leak. That doesn't even touch the interior damage or foundation repair (if needed.) :/
Maybe it's a regional thing? I know it happens quite often in Florida. I think the biggest thing going for us was that we caught it early before it damaged any walls or anything else.
They drilled a hole in the floor (see pic) and the outside stucco and ended up re-routing the plumbing line that goes in the house.
Post by sunshineandpinot on Apr 10, 2015 8:05:00 GMT -5
Eeeeep- just got the quote from the second plumbers they sent out. $13K. Just to fix the leaking pipes.
Next step- State Farm is sending out a structural engineer. Oh my; hoping and praying he determines the damage is caused by the leak. Bc if not; it's all on us :/
Eeeeep- just got the quote from the second plumbers they sent out. $13K. Just to fix the leaking pipes.
Next step- State Farm is sending out a structural engineer. Oh my; hoping and praying he determines the damage is caused by the leak. Bc if not; it's all on us :/