Sabertooth
Footballguy
I had a pipe, underneath the kitchen sink, let go in a house I am renovating. Dumped tons of water through my sink base and flooded overnight and into the next morning when I saw it and stopped the water. Ran through the hardwood flooring and subfloor and was basically raining in the basement. Water was almost an inch deep in the basement. I called my agent who instructed me to call the cleaners to get fans in there. I followed his instructions, got the cleaners in there and started drying it out.
Adjuster stops by a few days later and says that there isn't really any damage. Water never penetrated the floor (pictures be damned I guess) and they will pay the cleaning bill if I make a claim but no damages for the hardwoods or cabinets. Now granted I am renovating the house and the flooring and cabinets were original. I've refinished most of the hardwoods but not in the kitchen (I left the kitchen for last and did no work in there).
I guess from my perspective I have potential water damage in my hardwoods, cabinets, and subfloor. I took the advice of my agent and called in a specialist to get it cleaned up. The only bill is from that specialist. Adjuster says that the specialist was overkill and wasn't needed.
So now I'm stuck paying a deductable and having a claim on my record. And the adjuster is saying I didn't even need to pay anyone anything (despite the fact that I followed my agent's advice).
Just seems like bull#### to me. If I make a claim and pay the deductible I am out $500. If I don't I am out $1300. All for something the adjusters says wasn't needed but the agent said I did need. Do I have any recourse here?
Adjuster stops by a few days later and says that there isn't really any damage. Water never penetrated the floor (pictures be damned I guess) and they will pay the cleaning bill if I make a claim but no damages for the hardwoods or cabinets. Now granted I am renovating the house and the flooring and cabinets were original. I've refinished most of the hardwoods but not in the kitchen (I left the kitchen for last and did no work in there).
I guess from my perspective I have potential water damage in my hardwoods, cabinets, and subfloor. I took the advice of my agent and called in a specialist to get it cleaned up. The only bill is from that specialist. Adjuster says that the specialist was overkill and wasn't needed.
So now I'm stuck paying a deductable and having a claim on my record. And the adjuster is saying I didn't even need to pay anyone anything (despite the fact that I followed my agent's advice).
Just seems like bull#### to me. If I make a claim and pay the deductible I am out $500. If I don't I am out $1300. All for something the adjusters says wasn't needed but the agent said I did need. Do I have any recourse here?
