overflowed into my basement now what can I do?
2006-07-10 16:01:52 · 7 answers · asked by cutiepie81289 7 in Business & Finance ➔ Insurance
I just had the same problem. My insurer said they would send me a letter denying my claim. Then I should keep the letter and file a loss with my next taxes based on the repairs that need to be done to clean up the mess.
2006-07-10 16:08:33 · answer #1 · answered by lanes 3 · 1⤊ 1⤋
Unfortunately, that pool overflowing into your basement was a flood, by definition. Unless you have federal flood insurance, you have no coverage. You may be able to deduct the damages on your taxes for the year in which the damage occurred.
2006-07-10 17:04:17 · answer #2 · answered by Bostonian In MO 7 · 0⤊ 0⤋
So true. Unfortunately, surface water that runs down into your basement is considered "flood" peril. Flood insurance (which is only a federal government program, although you can purchase it through any agent) only activates when an event happens that affects multiple locations.
If you're concerned about damage your pool causes your house, you'll need to get rid of the pool. Sorry!
2006-07-10 16:09:44 · answer #3 · answered by Anonymous 7 · 0⤊ 0⤋
If you do not have homewoners insurance that covers water damage then not much. Most pool insurance such as a home warranty will cover the pumps and filtration system.
2006-07-10 16:06:10 · answer #4 · answered by amglo1 4 · 0⤊ 0⤋
Get a mop and a bucket because you might be up creek ... so to speak.
If you have had some heavy rains recently you might try to pull a fast one on your insurance carrier, but i don't advise you to do so.
Sometimes home ownership costs people for life's little mistakes.
2006-07-10 16:09:36 · answer #5 · answered by linkus86 7 · 0⤊ 0⤋
It doesn't hurt to call the ins company. My shower leaked and we had to break the tile and repair the water damage on the wall. It was wear and tear. I called the insurance company (just because my neighbor told me to). The adjuster came and said they won't pay to fix my leak, but they will pay to fix the water damage on the wall (which was most of the repair cost) because it was an unforeseen event. I still don't know their reasoning, but, really, call the ins. company. It won't hurt.
2006-07-10 16:13:15 · answer #6 · answered by spot 5 · 0⤊ 0⤋
Clean up the mess and buy flood insurance before you do it again.
2006-07-10 16:04:47 · answer #7 · answered by Anonymous · 0⤊ 0⤋