Something MAYBE Gonna Go RIGHT for Me For a Change....

Discussion in 'General Off Topic Forums' started by Sandy G, Feb 11, 2019.

  1. Sandy G

    Sandy G Spiteful Old Cuss Staff Member Moderator Subscriber

    Messages:
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    I think I told youse guys about the flood of Biblical proportions I recently suffered in my basement. Naturally, my Wondrous Insurance Co.refused to honor any/all claims since it was a flood, & I had NO flood rider-Of course, they NEVER told me of any sort of requirement. Anyhow, I contacted Serv-Pro, they came in, & told me that to make it like it never even happened, as they claim in their ads, was gonna cost me close on to $10K. Gulp. I don't mind paying for things, but I kinda get cheesed about paying for for some chucklehead's college education, or his new boat. Talked to an old & dear buddy of mine, who's an attorney in Birmingham, & HE'D had a problem w/Serv-Pro last summer over a flood in HIS basement. He said I needed to call around & see if I could find some other outfit, which I did today. Got this outfit, Mold-Tek coming in tomorrow, let's hope these guys are gonna be a LITTLE more reasonable. I'll report back after I find out.... Wish me Luck !-S.
     

     

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  2. luvvinvinyl

    luvvinvinyl Lily! Staff Member Admin Subscriber

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    Good luck, old son.
     
  3. 4-2-7

    4-2-7 Smart Ass Sponsor Subscriber

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    Good Luck Sandy
     
  4. blhagstrom

    blhagstrom Mad Scientist, fixer. Subscriber

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    Luck

    $10K to clean up a basement flood...like it never happened...probably not unreasonable.

    I had an oil furnace leak, flood of heating oil. Found out almost NO insurance company covers that. Hazardous waste and if it gets outside the building, EPA cleanup will take the house. Putting oil back in the ground is really a bad thing.

    I made it like it never happened.
    Took me about a month and a few $1k.
    But, I'm handy that way.
    Learned a lot of new tricks too.
     
  5. Sandy G

    Sandy G Spiteful Old Cuss Staff Member Moderator Subscriber

    Messages:
    48,367
    Location:
    Rogersville, Tennessee
    Danke Schoen, all Y'all.... See, I'm bi-lingual... I speak a little Krautisch. & a LOT of Hillbilly...(Grin)
     
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  6. Sandy G

    Sandy G Spiteful Old Cuss Staff Member Moderator Subscriber

    Messages:
    48,367
    Location:
    Rogersville, Tennessee
    Well, one thing that REALLY cheesed me was the fact that I've been a loyal customer w/Tennessee Farmers' Mutual Insurance Co for as long as I've owned this house-almost 25 yrs now,never fussed-or been late on a bill, played by the rules, etc, etc, etc, they never sent anyone by to check out my claim, just had some chucklehead call me on the phone from Gnashville, & basically told me they were gonna screw, blue & tattoo me, & weren't even gonna at least gimme a kiss... Mebbe I need me a new Insurance Co..... Grrrrrr... I just hate gettin' bent over a barrel like that, especially when you can't do a damthing about it. But y'all DON'T know how much yr kind words of support make me feel. Means a H3LLUVA lot..I REALLY mean that, too.
     

     

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  7. Marine0811

    Marine0811 I love it loud! Subscriber

    Good luck Sandy, and definitely let us know what the other clean up company says.
     
  8. hugo454

    hugo454 Gold Member Subscriber

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    Flood insurance in my area is an optional rider, only a few dollars extra a month but my agent never recommended it one way or another.Caveat Emptor
     
  9. John James

    John James "Bob's your uncle" (Stolen) Subscriber

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    Best wishes, Sandy.
     
  10. savatage1973

    savatage1973 AK Subscriber Subscriber

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    Good luck with the clean-up and restoration. I don't know if they exist in your neck of the woods, but around here, there is another (better) alternative to ServPro--a company called DRS--Disaster Restoration Services. They do fire/water restoration work, and I have sub-contracted with them many times for many years and their requirements are tough to meet, but the quality is tough to beat.
     
  11. richamor

    richamor amateur house husband Subscriber

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    Good luck dude!! Much as I hate to say it I think you're gonna need it. 10 grand!!?!!! What...were they going to build you a new basement? Maybe some gold plated toilet fixtures down there?? or maybe one on them fancy Japanese talking toilets that wipe yer butt and spritz perfume on it????

    Insurance......kinda like common sense. That thing you find out you don't have 5 minutes after you realize you need it.
     

     

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  12. the skipper

    the skipper Amateur Curmudgeon Subscriber

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    Yeah, I'd be looking t a new insurance company. That their representative never suggested, or even mentioned, a flood insurance rider is sketchy.

    Just out of curiosity, have you ever had to make a claim with them before?
     
  13. SPL db

    SPL db It's all about the music! Subscriber

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    Best of luck Sandy, Lord knows you deserve it. :thumbsup:
     
  14. bbqjoe

    bbqjoe Void where Prohibited Subscriber

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    I hope you didn't have your amps sitting on the floor!
     
  15. savatage1973

    savatage1973 AK Subscriber Subscriber

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    As crazy as it sounds, $10K is NOTHING to restore a basement--especially a finished basement. I am a contractor, and do some fire/water restoration work, and it ain't cheap. The biggest issue with water involved is mold remediation/prevention. It's easy, and relatively inexpensive to set up some fans, throw up a few sheets of new drywall, and a new chunk of carpet on the floor--then wait 6 months and everyone in the house is sick. Mold is no joke. If you have to replace appliances--like a furnace, water heater, and washer/dryer, you can double or triple that amount easily.

    People don't understand that about fire damage either. OK--so it was a little kitchen fire and only hurt the kitchen. Now try to get the smoke smell out of the entire house, and factor in the couple thousand gallons of water the fire dept just pumped into your house to "save" it, and we're talking big money--not just a new kitchen.

    Floods also pose an additional issue--structural integrity. I have a friend/colleague with an MS in mechanical engineering--he works for an insurance company as an adjuster. They pay him big $$$ to go figure out if something has been structurally damaged by fire/water, and what it will cost to "fix" it.
     
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  16. Rome

    Rome Holsum Honey Buns Subscriber

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    Praying all will be well for ya ole Sandy!

    Rome
     

     

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  17. ehoove

    ehoove Old & New - Carpe Diem Staff Member Super Mod Subscriber

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    I hope all turns out well!
    Regards,
    Jim
     
  18. Sandy G

    Sandy G Spiteful Old Cuss Staff Member Moderator Subscriber

    Messages:
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    Location:
    Rogersville, Tennessee
    Well, I have a "Small" mortgage type loan thru a local bank, & am required to have insurance-I think that's a good idea. I nay have a little chit chat w/my bank-Likely won't do any good, but, you never know. About 5-10 yrs ago, Tn Farmers called me in to do a review of my insurance & needs. AT NO TIME, did the agent ever mention anything about a "Flood Rider", or suggest that I needed any more coverage. Yeah, I know these flood riders add only a few measly bucks to most policies, I doubt if I would have made a squawk about it at all... And yeah, I use these byrds for my car insurance as well, had a few claims, but nothing that should have really bothered the huge pile these jackapes have managed to extricate from me over the years...
     
  19. sanford12

    sanford12 Old Stuff New Stuff As long as it's Good Stuff Subscriber

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    I've been changing insurance companies every 4 or 5 years for a while now. When they start charging more for the same coverage I start looking somewhere else. We had Progressive and when they kept upping our rates with no claims we changed to State Farm. When we hit the road in the RV we went back to Progressive because they were the cheapest. When we went back to a home we got a quote from Progressive for both home and car that was crazy high and thats with never having a accident claim against me. This time we went with Allstate. They were more than 600 bucks cheaper for the same coverage.

    It's really easy to change Insurance companies and there is a line of thought that you should change companies every few years.
     
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  20. John James

    John James "Bob's your uncle" (Stolen) Subscriber

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    ^ ^ ^

    Except when your rate is locked in.
     
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