doughboy1956 Posted January 15, 2007 Report Share Posted January 15, 2007 This is the year the house decided to put the "break" back in "Christmas break." ... Then, 3 days after Christmas, the water heater died. The Friday before the long holiday weekend for New Years. The basement flooded and we got about 3" of water because papers etc: were sucked into the drain before i could get the water shut off and the drane cleared. I had to get a new water heater and get it installed and put it through my insurance with $500.00 deductible. So far it has cost me over 1,500 dollars and the first offer from them is only 300 dollars for 2 tvs and 3 cp monitors. They took 2 truck loads to their wearhouse. I got a list back and it only mentions 4 items. No mention of the 3 Motherboards, 2 hardrives, bear rugs,fishing gear,hunting gear,record collection etc:etc:etc: Looks like i,m in for a long court battle here. Please take pictures or a video of your house and furnishings before this happens to you and keep me in mind. I,ll let you know whenever i get more word back. They were coming today but when i told them i had a video camera ready they put it off until later. Quote Link to comment Share on other sites More sharing options...
Newarcher Posted January 15, 2007 Report Share Posted January 15, 2007 Re: Water heater breaks!!! File a complaint with your insurance commissioner's office.....they fear that. Best of luck, New Quote Link to comment Share on other sites More sharing options...
mike Posted January 16, 2007 Report Share Posted January 16, 2007 Re: Water heater breaks!!! that stinks bud!!! you are right, you need to photo or film all your possesions in case this happens! Quote Link to comment Share on other sites More sharing options...
Randy Posted January 16, 2007 Report Share Posted January 16, 2007 Re: Water heater breaks!!! I hope everything works out for you. Quote Link to comment Share on other sites More sharing options...
Guest Andrea Posted January 16, 2007 Report Share Posted January 16, 2007 Re: Water heater breaks!!! I hate insurance companies. Good luck with that. I am putting a "waterless" water heater in the new house. Quote Link to comment Share on other sites More sharing options...
wtnhunt Posted January 16, 2007 Report Share Posted January 16, 2007 Re: Water heater breaks!!! Sorry to hear that, I hate dealing with insurance companies really for the most part. Have state farm on our house and farm here, and they have always been pretty good about paying out on claims so far. Good luck. Quote Link to comment Share on other sites More sharing options...
doughboy1956 Posted January 17, 2007 Author Report Share Posted January 17, 2007 Re: Water heater breaks!!! Heres an update as of 5 p.m on Wed. January 17, 2006. The water heater nor the installation is not covered by the insurance company.The $300 offer is still on the table for the 2 tvs and the 3 computer monitors. I got a Contents Worksheet from the contractor after many phone calls and this also went to The ING insurance appraiser. Now this is a list that they think has water damage. Please read 11 several times.The $500 deductable is still in effect. 1.Double Dresser 2.Entertainment Center 3.Sofa 4.Chair 5.39" Mattress 6.A 2 door small cabinet 7.Bookshelf 8.Rawling baseball glove 9. Green suitcase less contents. 10.Keosene heater And last but not least 11. Pair of scuba pants.<-- this would be funny if not so serious. The contractor call yesterday and said they were bring my stuff back in a large truck so i got my camera out and waited. I had the 2 workers open the truck and started taking pictures.You could not get another item in that truck if you wanted to. They brought in all the heavy stuff first and then over 45 large sealed cardboard boxes which filled 1/4 of the basement and piled to the roof. Then they wanted me to sign a paper saying i was satisfied with the work and estimate. I can;t tell you were i told them to put that paper they wanted me to sign. I told them, their boss and the insurance appraiser that i was not opening any of the sealed boxes unless someone in charge is there with me to go through all the boxes one by one. I called the onbudsmen ( She came me her name and said to call back if this does not get resolved), i called my agent, my lawyer to stand by, the insurance guy( got his machine and no call backs) and the contractor and asked him to look at the pictures he took during the flood. and tell me if he can see my hunting and fishing gear etc:etc:etc: He said he seen a lot that was not on the list. My basement is not finished so there are no shelfs that all this material in the boxes were on. They were all on the floor in the water. The contractor said he will ask the insurance appraiser if they will send someone over and we open the boxes together. My bear rugs, motherboards,harddrives, hunting and fihing gearetc:etc:etc must be in the sealed storage boxes.If they don;t then i will call the onbudsmen back. Will keep you informed what happens. Quote Link to comment Share on other sites More sharing options...
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