Exterior damage caused by neighbor's house fire-my insurance pays
nancita
12 years ago
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Billl
12 years agotwo25acres
12 years agoRelated Discussions
Neighbor cause water damage to my condo - help!
Comments (21)My husbnd is in same situation, more or less, as tarakari, which I'm pasting below. We haven't seen any response to tarakari's question. The tenant next to my husband's condo unit is angling to get him to replace her entire floor because we can't find laminate flooring to match the 4 ft x 4 ft area damaged 2 months ago by seepage from a bathtub drain leak in my husband's condo unit thru the common wall. Now the neighbor claims the damage is "spreading"--two months later?? RE: Neighbor cause water damage to my condo - help! clip this post email this post what is this? see most clipped and recent clippings Posted by tarakaki (My Page) on Wed, Oct 31, 07 at 23:48 Hi, I own an apt in a condo and just recently rented it out. Last week,the guy below me told me that there's leaking in his unit from my unit. I called a plumber to come in to fix the bathroom in my unit. Today, I got a call from the owner downstairs telling me i have to pay $12000 in damage to their floor. She told me that the damage is to a small area but her contractor said that they can't find a matching color for the flooring so they will have to redo the whole floor. Is that right? Do I have to pay for the entire flooring? or just the damage area regardless of whether it matches or not. I don't think it's my responsibility to pay for the whole flooring just becaue it doesn't match. Please help me on this. What do I do? I'm panicking here. I don't want to go through a lawyer. I offered to go downstairs to take pictures of the damage and see. Please advise me what I need to do from here....See MoreWho pays deductible on homeowner's insurance?
Comments (21)In a typical landlord/tenant situation, the landlord holds the homeowner's insurance policy, covering any damage to the structure and its fittings. Rental insurance covers only the renter's personal property - it is not for the homeowner's (landlord) protection but for their own. Should a fire occur, the homeowner's insurance will pay for the reconstruction of the home but unless the tenant has rental insurance, none of their furniture, goods, personal property, etc. are covered. I'm glad the damage will be covered by the appliance mfg. And given the situation, seems like you assuming the homeowner's insurance coverage is a good idea. Until more complete repairs can be made, the humidifier is also good idea. Won't get rid of any mold that may already be there but will prevent its spread....See MoreInsurance question - fighting their estimate of damages
Comments (34)I got all the documentation from MIL. I don't know who this adjustor is, but he clearly has less homebuilding experience than me. He totally missed the ballusters, handrails, misidentified the species of wood. The roof is damaged. There are chunks of siding missing and he didn't account for that. She does have replacement coverage, so I don't get the depreciation thing. I need to call them, but I need the contractor to add more detail to his written estimate as well. Tree removal is way more than $250 around here. You won't even get someone to come to your house for that. Plus there is nowhere to take them. The nearest disposal for trees is an hour away, so there is 2 hours of labor plus the dump fee there. It's a pine, so no one wants it. This was a huge tree, over 24" diamter. I don't know how to handle the siding and roof issue. The siding can probably be matched good enough, especially if we powerwash and restain the entire side (can I ask for that? It's cheaper than replacing the siding on the entire side). There is no way to match the roof, but the roof is circa 1990, and it isn't visible from the ground. Do we just patch that section and have it not match? I don't want to over reach, but I also don't want to not ask for what she is entitled to....See MoreFire Damage - Insurance Claim Question
Comments (4)You said the key word: tile. Tile, like brick, is hard to color match. The color differs from firing to firing. Usually, all the tile for one roof comes from one batch of kiln firing. Look into other tile makers to see if they can come close to matching the style and color of your tile. You'll need to take along a sample tile. One alternative would be to remove all the tiles from the roof section that will be rebuilt and mix the old tiles with the new tiles. The roof will have a shingled effect rather than a continous color. However, this is a lot of work and it appears that your insurance company will not cover the extra labor. You may have to hire a lawyer or offer to pay for the extra labor. There is an upside. From your description, your house may have been saved because it had fire resistant roofing material. Remind your insurer that they could have been paying for an entire house, not just a roof repair....See Morenancita
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