Our house flooded on 3/2

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Im sorry for the late news but we had a water main break in our house on 3/2 that nearly destroyed all of our house. It spared 4 bedrooms however. We have been staying at the Residence Inn in Roseville, CA since 3/5 and we will be there until the repair work is done on our house. We have a 2 bedroom 1 kitchen suite with flat screen tvs in all rooms. While this situation may be horrible for us, its like a mini vacation. so I am taking this with a grain of salt in some instances. But the worst that can happen is that we have no home during this time. The hotel serves free breakfast each morning and free dinner monday through wednesday.

So anyways just checking in and explaining our situation. If you want more details, I can let you know. Below is a link to the pictures showing the initial damage :

http://s1102.photobucket.com/albums/g448/hockeyplayerjason/

Posted on Mon Mar 14 00:20:17 PDT 2011

wolvie i am so sorry to hear that! you said it was a water main break so is the city paying for all this? the water was everywhere! i hope things work out quickly!

Posted on Mon Mar 14 07:02:39 PDT 2011

Unfortunately rules and regulations state that if the property owner to which the pipes break does not have insurance from the water company on the pipes, then its the home owners responsibility to pay for them.

Posted on Mon Mar 14 07:47:20 PDT 2011

x2w

While I'm not familiar with the regulations in all states, I urge you to consult your insurer and file a claim. The cause of the loss, the broken main should not be covered by your policy if the break in the main occured on your property. The subsequent damage to your house and its contents will be covered by insurance ( less your deductible ) As a 40 yr. insurance agent, this is the language of a standard homeowners policy which I presume is universally accepted in all areas. Good luck, and if it means anything, be glad you're not in Japan.

Posted on Mon Mar 14 12:35:52 PDT 2011

Wolfie, I agree with Mr. P, we plus two of our neighbors had water damage due to city pipe prob (won't bore you with details) but when state farm said no no file a claim with the city, it got fixed. Not all of it but what started the problem. Then we went to our insurance agent about the water damage stuff. Hey it couldn't hurt to check it out, have you ever heard the saying ' the squeaky wheel gets the grease'. Best of luck to you hope you can rebuild-maybe something better than before.

Posted on Tue Mar 15 19:53:41 PDT 2011

The damage done by this disaster will be covered by our insurance, that included the asbestos removal new carpet, loss adjustments etc. The pipe repair work had to come out of our own pocket. In addition the insurance agent says we must now take precautionary measures in the future to insure this does not happen again. Of all the time the house was built, NOT A PROBLEM. Now when we least expect it it bites us in the ass LOL.

Posted on Wed Mar 16 09:34:23 PDT 2011

Hey wolvie... just reading this... how are you holding up, my man? Is insurance covering your stay at the Inn? If they are, I bet you'll get your repair work done quicker.

Posted on Wed Mar 16 11:50:14 PDT 2011

mooma wrote: Hey wolvie... just reading this... how are you holding up, my man? Is insurance covering your stay at the Inn? If they are, I bet you'll get your repair work done quicker.

Yes the insurance is paying for our room and board because our insurance entitles us to up to 24 months of reasonable room and board (I bet you that he insurance company gets great exposure and rates for boarding us )

We have been here for almost 2 weeks now - and its still not even near done yet. The cabinets are all pulled out, sink , washing machine, toilets etc. As long as there is no water, or other necessities our house is deemed unliveable until brought back up to code.

Posted on Thu Mar 17 07:50:46 PDT 2011

Sorry to hear of the flooding,but here's hoping your enjoying your minication.Are you getting on each others nerves yet?

Posted on Thu Mar 17 08:20:37 PDT 2011

x2w

2 things come to mind from your latest post. 1. If your insurance agent suggests you must take precautions against another loss of the same ilk, you either need a new agent or a new company. While insurers frown on claims frequency ( regardless of the type of loss ), to intimate that another burst main might result in a denial is ludicrous. 2. I'm surprised the
insurer put you up in a hotel while your home is unlivable. All the companies I do business with will put a large trailer or a motor home on the insured property at no cost to the client. This is done so the homeowner stays home, so to speak.

Posted on Thu Mar 17 09:46:31 PDT 2011

This is California law and regulations Poppa, so our rules and entitlement options are different then other places. But I must say my local insurance agent has been very nice to us throughout this whole process, and we will be reimbursed for any out of pocket costs such as laundry washing in the coin laundry in the hotel, personal supplies to help keep us clean, etc. A reasonable amount that is according to our paperwork . Note the paperwork quoted "You may be entitled to reimbursment ... yadda yadda yadda"

Posted on Thu Mar 17 10:18:14 PDT 2011

wolvie glad the insurance is taking care of much of the problem. hope the repairs move more quickly so you can be home again. enjoy your minication as ydo put it!

Posted on Thu Mar 17 12:39:57 PDT 2011