Will my homeowners cover this?

  1. It's been a rough day!! DH went to investigate the soft spot in the bathroom floor. The wood ended up being soaked and soft wall to wall. Some of the walls are also damaged. It came from a broken cutoff valve at my washer. We stopped the leak and put a temporary piece of plywood over the huge hole. I am calling the ins co tomorrow, but I just wanted to know if ins covers this type of thing? I can't find my policy to read up on it. In addition to all that going on I got stung by a scorpion that was crawling up my leg in the house! ACk!! I reached down to brush it off withut looking and it brushed back, lol! The place went from a little white spot to a pinpoint bruise. At least it doesn't hurt.
  2. 10 Comments

  3. by   DutchgirlRN
    (((((((HUGS))))))) What an awful day for you SouthernLPN. I'm sorry.
    I think our homeowners (State Farm) would cover water damage caused by a defective washing machine but I couldn't say for sure. Calling first thing tomorrow morning will be your only way of knowing. It happened to our neighbors due to a leaking refrigerator and it was covered. A scorpion sting, yikes and ouch! Keep an eye on that girlie. Take care of yourself. Good Luck and let us know.
  4. by   Fun2, RN, BSN
    Most home owner's will cover this type of water damage, just not a natural disater flood.

    I hope you get good news when you talk to your insurance company. Sometimes they undermine people and have us deny certain coverage without even knowing about it.
  5. by   SmilingBluEyes
    OUCH good luck.
  6. by   pannie
    Insurance covered a water leak in the wall behind a bathroom sink in one of our rental homes. They replaced the wall, floor, tile, etc. Now, if they'd have just replaced the stupid renters who "didn't notice" for so long. I'm glad you noticed a spongy floor. Most companies now have a prohibition on mold now.
  7. by   SouthernLPN2RN
    I really didn't want to file this, but due to the extent of the damage, I had to. The adjuster will be out here on Friday. I just feel so stupid. I don't know what to do or how to go about this. I asked him all kinds of questions. I kinda feel like I need to treat the area like a crime scene and don't touch, lol!
  8. by   SouthernLPN2RN
    The adjuster came today. He didn't say he wouldn't cover it. All he said was what he'd submit his estimate for (not a price, what he thought would need replacing). I really hope he doesn't lowball it because he never mentioned the fact that a wall had to be removed to repair the floor, but the contractor I had come in did say that would be needed.
  9. by   pannie
    Have you heard anything from the insurance company?
  10. by   SouthernLPN2RN
    Evidently it's going to be covered. I just don't know how much.
  11. by   Fun2, RN, BSN
    Quote from southernlpn
    Evidently it's going to be covered. I just don't know how much.

    Hopefully enough to cover it all to be replaced.

    By the way, how's your leg? Did the bite ever get bad?
  12. by   pannie
    I thought our estimate wouldn't cover it, but it did. And no complaints from the tenants either. Guess we're so used to hearing all the bad things about insurance companies that we forget we don't hear about satisfied customers.