My house flooded… this SUCKS!!!! - Page 2 - BBQ Central

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Old 08-09-2009, 12:59 PM   #11
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That Sucks BAD !

Hope everything works out.
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Old 08-09-2009, 04:21 PM   #12
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Re: My house flooded… this SUCKS!!!!

Dang well thats a fine welcome home!! Luckly we dont live that low to have flooding. I bet its a pain in the ass. I just hope you had flood insurance, but knowing the insurance companies they can either be right on the spot and get stuff done fast , or drag thier asses. Good luck Niki and I will keep yall in our prayers and thioughts that this can be swiftly resoloved.
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Old 08-09-2009, 05:38 PM   #13
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did it for a living

Que~Dawg did it for a living call me ill walk u through it. water that came from inside the home should be no prob,just don't throw out the part that broke rick 607 242 2781
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Old 08-09-2009, 05:51 PM   #14
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First, quit calling it a flood. That a special coverage that you may, or may not, have. This is damage from a broken appliance and it should be covered. The first thing is to check your policy to see if you have coverage for replacement value, or actual cash value. I don't think you'll have a problem with the carrier.
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Old 08-09-2009, 06:17 PM   #15
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What a bummer Jason.. Sorry bro.
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Old 08-09-2009, 07:11 PM   #16
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Quote:
Originally Posted by Griff
First, quit calling it a flood. That a special coverage that you may, or may not, have. This is damage from a broken appliance and it should be covered. The first thing is to check your policy to see if you have coverage for replacement value, or actual cash value. I don't think you'll have a problem with the carrier.
Ours is replacement value
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Old 08-09-2009, 07:23 PM   #17
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You should be in good shape. PM me if you hit a snag.
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Old 08-09-2009, 08:51 PM   #18
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Quote:
Originally Posted by Griff
First, quit calling it a flood. That a special coverage that you may, or may not, have. This is damage from a broken appliance and it should be covered. The first thing is to check your policy to see if you have coverage for replacement value, or actual cash value. I don't think you'll have a problem with the carrier.
Griff, please explain. And which is better to have?
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Old 08-09-2009, 10:01 PM   #19
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Replacement value is better but the premiums are higher. They pay whatever it costs in today's dollars to replace the loss. With actual cash value, the insurance carrier will depreciate it. In a nut shell, replacement value will pay you the cost of a new like item. Actual cash value (ACV) insurance will pay you the cost of a like used item. Unfortunately, you can't get replacement value in an auto policy, only homeowners insurance will do that. BTW, Nick I need your address to send you the bill for this advice.
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Old 08-10-2009, 10:20 AM   #20
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Sure you have a 3 hour minimum on deals like this. Hopefully this good advice only cost a few thousand.

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