We thought we could smell damp in our bathroom and removed the tiles around the bath, the walls are soaking and the water from the shower has been leaking into them.
Plasterboard, tiles etc will all need replacing? Would this be covered by insurance??
2007-11-20 00:40:42 · 7 answers · asked by Anonymous in Home & Garden ➔ Maintenance & Repairs
Yes, it would be covered by homeowners. Check your deductible and then call the claim into your homeowners. They will send out an adjuster.
2007-11-20 00:49:12 · answer #1 · answered by mrsdeli 6 · 0⤊ 2⤋
I thought homeowners insurance should only be used in extreme circumstances, like a house fire, tornado, etc. We replaced our roof last year for $9500 and would not have considered using insurance for it. If you file too many minor claims your insurer could drop you, or raise your rates by 100% or more.** For another example, would you use your car insurance policy if you need new tires or a battery? No. If you could use Homeowner's insurance to pay for repairs then everyone would buy fixer upper houses and have the insurance pay for all repairs, it does not make sense!
2007-11-20 00:50:08 · answer #2 · answered by Anonymous · 1⤊ 0⤋
I advise you to weigh the potential future costs very carefully. Homeowner's Insurance companies often drop customers who've made claims and they also raise premiums which will end up costing you more in the long run. If I were you, I'd check my insurance policy very carefully and see what my deductible is. Sometimes the deductible is more than the repair costs and it would be better to not inform your insurance company and make the repairs on your own so that your premiums won't increase.
2007-11-20 00:53:01 · answer #3 · answered by Susan G 6 · 2⤊ 0⤋
I don't think the insurance will cover it. This type of damage is usually covered by a home warranty policy. Homeowners insurance pays for damage done by Mother Nature such as wind and hail damage. It also usually covers people hurt while on your property such as falls and slipping. There is a difference between Homeowners and Maintenance insurance.
2007-11-20 01:24:59 · answer #4 · answered by sensible_man 7 · 1⤊ 0⤋
If there is theft insurance on your coverage, maximum possibly it is roofed. even regardless of the indisputable fact that, the guy who gets paid, is the named insured on the coverage. AND, the deductible applies. So in case you have filed a police record, assuming you have have been given signs and warning signs of forcible get entry to, AND, an extremely low deductible, or a intense deductible and a catalogue of stolen stuff, no longer a concern. in case you have a intense deductible, that's possibly larger than the ipod is nicely worth. If there is not any forcible get entry to, you're possibly unlikely to be waiting to teach the theft. And mysterious disappearance isn't coated.
2016-10-17 12:14:43 · answer #5 · answered by ? 4 · 0⤊ 0⤋
Is this a new house....usually you will have a 10 year warranty. Check your warranty book and see if this will be covered under the warranty before exploring other options.
2007-11-20 00:49:23 · answer #6 · answered by Soleil 2 · 0⤊ 0⤋
The question you are going to have to ask yourself is it cheaper to pay the deductable or cheaper to pay the repair costs.
From your information I would say paying for the repairs yourself would be way cheaper than making a claim.
2007-11-20 00:45:42 · answer #7 · answered by brandonlahman 4 · 2⤊ 1⤋