Tim K
Second Unit
- Joined
- Jul 7, 1999
- Messages
- 402
We have homeowners through Allstate Insurance (so we are in good hands!). We've had it since we bought our home in July of 2002. Last week, the hot water supply line to our 3rd floor bathroom sprung a leak. I didn't know it for about 5 days....until the floorboards in the 2nd floor hallway started twisting and coming up.
I noticed this on New Years day...after a long night of partying. I backtracked into the second floor bathroom and found a small puddle in the corner behind the door. There were water stains up the wall to the ceiling and along the ceiling. I took down part of the ceiling to reveal the leaking pipe. I had the pipe fixed and took down about 30 sq feet of sopping wet drywall.
Not exactly the best way to cure a hangover!
To summarize: One bathroom wall and part of the bathroom ceiling were basically destroyed, the bathroom door frame is warped so I can't close the door, about 20 sq feet of hardwood floor is warped and stained (part of two rooms), and now the ceiling on the first floor is wet and showing a stain. Based on the amount of water dripping in the 24hrs since I found the leak (about 1 gallon per day) I'd guess about 5 gallons of water passed through the floors. The plywood under the floor is still wet 4 days later.
Our deductible is $1000. I'm sure the floors alone will cost over $700 to repair. The question is, should I file a claim and let Allstate pay or should I go out of pocket to fix the floors and do the rest myself? I'll probably do all the drywall and painting anyway, is it worth it to have a "claim" on our account? Is there "hidden" damage that I'm not thinking about that could come back to bite me in the ass if I don't file????
Never dealt with homeownership and insurance before so I don't know the ins and outs....
Thanks,
I noticed this on New Years day...after a long night of partying. I backtracked into the second floor bathroom and found a small puddle in the corner behind the door. There were water stains up the wall to the ceiling and along the ceiling. I took down part of the ceiling to reveal the leaking pipe. I had the pipe fixed and took down about 30 sq feet of sopping wet drywall.
Not exactly the best way to cure a hangover!
To summarize: One bathroom wall and part of the bathroom ceiling were basically destroyed, the bathroom door frame is warped so I can't close the door, about 20 sq feet of hardwood floor is warped and stained (part of two rooms), and now the ceiling on the first floor is wet and showing a stain. Based on the amount of water dripping in the 24hrs since I found the leak (about 1 gallon per day) I'd guess about 5 gallons of water passed through the floors. The plywood under the floor is still wet 4 days later.
Our deductible is $1000. I'm sure the floors alone will cost over $700 to repair. The question is, should I file a claim and let Allstate pay or should I go out of pocket to fix the floors and do the rest myself? I'll probably do all the drywall and painting anyway, is it worth it to have a "claim" on our account? Is there "hidden" damage that I'm not thinking about that could come back to bite me in the ass if I don't file????
Never dealt with homeownership and insurance before so I don't know the ins and outs....
Thanks,