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Flood Insurance Coverage - Page 2

post #16 of 78
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.
post #17 of 78
If the water didn't damage it, it isn't covered.

They will replace the bottom cabinets, but not the top.
post #18 of 78
Well that stinks. frown.gif
post #19 of 78
Why do you need to replace the uppers? Cant the new bottom cabinets be made to match?
post #20 of 78
Quote:
Originally Posted by Shipwreck View Post

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.
post #21 of 78
Quote:
Originally Posted by Fly By Nite View Post

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." smile.gif
post #22 of 78
Quote:
Originally Posted by Fly By Nite View Post

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.
post #23 of 78

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

post #24 of 78
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.
post #25 of 78
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.wink.gif
post #26 of 78
my homeowners said they were waiving the deductible icon14.gif Of course I haven't seen them yet wink.gif
post #27 of 78
Quote:
Originally Posted by Bristol Lou View Post

my homeowners said they were waiving the deductible icon14.gif Of course I haven't seen them yet wink.gif
Which carrier?
post #28 of 78
Quote:
Originally Posted by Kings over Queens View Post

Which carrier?

Narragansett Bay They haven't been here yet but that's what they said.
post #29 of 78
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.
post #30 of 78
Suppose to be the flat deductible. Let you know
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