Jump to content


Photo

Flood Insurance Coverage


  • Please log in to reply
77 replies to this topic

#16 Fly By Nite

Fly By Nite
  • 5,000 Post Club!

  • PipPipPipPipPipPip
  • 9,067 posts
  • Joined: Oct-09 2000

Posted November 19 2012 - 10:44 PM

My flood adjustor came today. Everything went as expected except she said the insurance company does not match certain things that were damaged like cabinets and siding. This I was not happy about. I have two rows of upper cabinets now that I need to get rid of. Nice wood custom cabinets. Such a shame. And I lost some siding which can no longer be matched. Does anyone know if this BS? Even though the uppers were not damaged and the counter top didn't see water I need to replace everything.



#17 Kings over Queens

Kings over Queens
  • Way too many!

  • PipPipPipPipPipPipPip
  • 58,638 posts
  • Joined: May-26 2003

Posted November 19 2012 - 10:49 PM

If the water didn't damage it, it isn't covered.

They will replace the bottom cabinets, but not the top.



#18 Fly By Nite

Fly By Nite
  • 5,000 Post Club!

  • PipPipPipPipPipPip
  • 9,067 posts
  • Joined: Oct-09 2000

Posted November 19 2012 - 10:57 PM

Well that stinks. :(



#19 Shipwreck

Shipwreck
  • Way too many!

  • PipPipPipPipPipPipPip
  • 11,906 posts
  • Joined: Oct-19 2006
  • LocationUp on Cripple Creek

Posted November 20 2012 - 7:15 AM

Why do you need to replace the uppers? Cant the new bottom cabinets be made to match?


If you want to talk bout fishin then I guess that would be alright - L. Skynyrd

#20 Fly By Nite

Fly By Nite
  • 5,000 Post Club!

  • PipPipPipPipPipPip
  • 9,067 posts
  • Joined: Oct-09 2000

Posted November 20 2012 - 9:06 AM

Why do you need to replace the uppers? Cant the new bottom cabinets be made to match?


Cabinets are probably over 25 years old...it would be impossible to match the wood.



#21 Kings over Queens

Kings over Queens
  • Way too many!

  • PipPipPipPipPipPipPip
  • 58,638 posts
  • Joined: May-26 2003

Posted November 20 2012 - 9:09 AM

Cabinets are probably over 25 years old...it would be impossible to match the wood.

Go with mismatched uppers and lowers and call it "eclectic." :)



#22 Shipwreck

Shipwreck
  • Way too many!

  • PipPipPipPipPipPipPip
  • 11,906 posts
  • Joined: Oct-19 2006
  • LocationUp on Cripple Creek

Posted November 20 2012 - 9:22 AM

Cabinets are probably over 25 years old...it would be impossible to match the wood.

In my experience any good cabinet maker can match the stain. It really is not that hard. Same with any of the router cuts, they are time honored jigs. Use the money u save on the uppers to hire a good carpenter.

Anyway, its just an idea. I am sure you have a lot on your mind. Good luck.


If you want to talk bout fishin then I guess that would be alright - L. Skynyrd

#23 NJTR

NJTR
  • New Member

  • Pip
  • 2 posts
  • Joined: Nov-19 2012

Posted November 20 2012 - 2:21 PM


It is a stand alone shed The shed definitely had water. I have an attached garage which got 8 inches of water . I had a lot of things in the shed that got water damaged. I do not have contents on my policy but the water did get on the walls of the shed. thanks




#24 Pa. Rick

Pa. Rick
  • Senior Member

  • PipPipPip
  • 129 posts
  • Joined: Mar-29 2004

Posted November 20 2012 - 4:37 PM

Fly, sorry bud. if you lost the siding due to wind damage, not covered by flood ins, you may have a homeowners claim. do you need help with anything? let us know.



#25 fluke07

fluke07
  • 1,000 Post Club!

  • PipPipPipPipPip
  • 2,264 posts
  • Joined: Oct-07 2008
  • LocationSeaside Park

Posted November 21 2012 - 7:17 PM

Fly by Nite, siding loss would be covered under your home owner's as wind damage, depending on your deductible. I lost 1 small piece of alum. trim at roof gable, adjuster came out today, took one look at it and said, isn't enough to be covered by deductible. Guess my contractor will have to throw that repair in with the rest of his estimate.;)



#26 Bristol Lou

Bristol Lou
  • 5,000 Post Club!

  • PipPipPipPipPipPip
  • 5,993 posts
  • Joined: Dec-18 2002

Posted November 21 2012 - 7:20 PM

my homeowners said they were waiving the deductible :th: Of course I haven't seen them yet ;)



#27 Kings over Queens

Kings over Queens
  • Way too many!

  • PipPipPipPipPipPipPip
  • 58,638 posts
  • Joined: May-26 2003

Posted November 21 2012 - 7:25 PM

my homeowners said they were waiving the deductible :th: Of course I haven't seen them yet ;)

Which carrier?



#28 Bristol Lou

Bristol Lou
  • 5,000 Post Club!

  • PipPipPipPipPipPip
  • 5,993 posts
  • Joined: Dec-18 2002

Posted November 21 2012 - 7:30 PM

Which carrier?


Narragansett Bay They haven't been here yet but that's what they said.



#29 Kings over Queens

Kings over Queens
  • Way too many!

  • PipPipPipPipPipPipPip
  • 58,638 posts
  • Joined: May-26 2003

Posted November 21 2012 - 8:13 PM

The regular flat deductible, or the Windstorm/Hurricane Deductible?

It makes a difference, and if you could find out, I'd like to know.

Thanks Lou.



#30 Bristol Lou

Bristol Lou
  • 5,000 Post Club!

  • PipPipPipPipPipPip
  • 5,993 posts
  • Joined: Dec-18 2002

Posted November 21 2012 - 8:35 PM

Suppose to be the flat deductible. Let you know