Wow, what a hell of a year this has been since April. It’s bad enough we had waste water leak out a few toilets upstairs, as well as out a crack in (Phoenix) ABS pipe that was recalled back in the early 1990s. Guess the previous owners decided not to correct the problems and we were just unfortunate enough to have that water make its way out of a light fixture and onto our wood floor.
Now don’t get me wrong, remodeling is great! Especially now since we aren’t pay for anything out of pocket. So it’s probably not the “right” way to go about it, but every cent is legit, minus the reimbursement on my Blackberry I threw against the wall when our first leak occurred.
At the end of October we finally finished the majority of the work. The only remaining work was wiring a few new outlets, hanging a new bathroom door and molding around the base of the walls. Carpet had been in for 2 days. 2 days! This was when the second leak hit, undetected or unannounced.
After a few weeks of phone calls to the insurance company, as well as to a leak detection specialist, a plumber, the restoration company and the insurance adjuster, things got moving rather quickly. I was surprised to see three checks in the mail within a week to cover the initial damages. They also provided us with hotel accommodations since we had no water.
Yesterday was the start of the repipe of the house. The insurance company covered a partial reroute of the hot and cold water to the kitchen sink. The plumbers recommendation, to repipe the entire house. So we decided to spend our money in order to make up the difference and do the entire house. Last thing we want is a third leak.
While fixing the leak was the primary issue, I was shocked when the insurance company said they would cover the repair. It is not often you get that response from them. The remaining issue at hand is what else, in terms of damages will be covered? We have three waterlogged cabinets, that were months old. They are visibly damaged. Our Corian counter top was destroyed when the clean up company removed the cabinets. Have you priced Corian recently?
The other sticking point, our floors. This is both the new tiles in the kitchen and the new carpet in the dining room. The clean up company took a 3’x’4′ piece, along with a 1′ strip about 3′ long from our dining room. It was wet with mold, along with the padding and tack strips.
The kitchen floor has yet to be torn up. The cabinets were removed, but the tile left in place. They mitigation company (clean up guys) recommended the carpet and tile flooring be removed. Of course not all of it needs to be taken out and replaced. But the insurance company has been very hesitant on making this call. I decided to talk to the guy who sold and installed all the flooring and he quoted $3000 to fix both. The only problem being the tint of the carpet and tile might not match what is currently on the floor. *sigh*
This did not make my wife happy at all. So I have put her in charge of talking to the insurance company, in order to sell them on the fact they need to pony up for the flooring as well as the cabinets. Both of which they are balking on.
In comes the insurance adjuster, who has been to the house once, when the mitigation company set up their equipment. Since then, he has not seen the damage to the cabinets or the fact they removed carpet and all the cabinets, along with about 2′ high strip of drywall around the perimeter walls of the kitchen. On the exterior, I had to remove the wood siding and insulation in order to give the plumbers access to bring the new pipes in.
In my estimate, there is probably close to $15,000 worth of money I feel we are owed. Will we get it? I don’t know but after going through this already this year, most of the remaining items are “damage” which should be covered by insurance. I must give props to Ameriprise (through Costco), they have been great since April! Hopefully we will see the remainder of the work covered and have our house back in order by Christmas, although with work and holidays I fear we will ride the remodel through the new year. “Oh what fun…”