Any guidance or advice will be appreciated.
I bought my house in 2008, it was built in 2003.
Last month I got a pipe leak behind the fridge. I called the plumber and he fixed it. A week later, I got another leak. They came back and said it was slab leak and did a temporary reroute and recommended a permanent reroute. Overall quote to repair it is $2,300.
I contacted my insurance and they advised they would pay for it, my deductible is $1,000.
They sent a guy to dry out the wet walls but the guy said he can’t just dry the walls because there’s been two leaks in a months’ time. Mold might have already started to form. His professional advice is to tear down 3 major walls and other walls/cabinet drawers, etc. He said it would take about 1 month to do the tear down and it would cost around $15,000 - $20,000 and scarred me by saying that my insurance might not even cover it. His personal advice is to hire him and buddy of his to dry the walls at $500-$700.
I refused to sign the work order as I wasn’t sure how much of that my insurance would pay. My insurance is QBE Insurance.
My insurance called me today and said they would pay for the whole tear down and they would pay for the rebuilding of it, no matter the cost, I just need to find the contractor to do it.
I don’t trust him. I asked him if he could send me an e-mail stating what we had just discussed, he laughed and said, “You don’t trust me” but said he would send me the policy, which he did, but it’s like a generic policy, “Homeowners 3 Special Form.”
So I don’t know if I should trust the insurance or not? Should l go forward with the demolition and reconstruction, risking them not covering it or all of it even though they said they would or just pay the guy his $500-$700 to dry the walls and risk it with the mold?
Has anyone had a similar situation?
I bought my house in 2008, it was built in 2003.
Last month I got a pipe leak behind the fridge. I called the plumber and he fixed it. A week later, I got another leak. They came back and said it was slab leak and did a temporary reroute and recommended a permanent reroute. Overall quote to repair it is $2,300.
I contacted my insurance and they advised they would pay for it, my deductible is $1,000.
They sent a guy to dry out the wet walls but the guy said he can’t just dry the walls because there’s been two leaks in a months’ time. Mold might have already started to form. His professional advice is to tear down 3 major walls and other walls/cabinet drawers, etc. He said it would take about 1 month to do the tear down and it would cost around $15,000 - $20,000 and scarred me by saying that my insurance might not even cover it. His personal advice is to hire him and buddy of his to dry the walls at $500-$700.
I refused to sign the work order as I wasn’t sure how much of that my insurance would pay. My insurance is QBE Insurance.
My insurance called me today and said they would pay for the whole tear down and they would pay for the rebuilding of it, no matter the cost, I just need to find the contractor to do it.
I don’t trust him. I asked him if he could send me an e-mail stating what we had just discussed, he laughed and said, “You don’t trust me” but said he would send me the policy, which he did, but it’s like a generic policy, “Homeowners 3 Special Form.”
So I don’t know if I should trust the insurance or not? Should l go forward with the demolition and reconstruction, risking them not covering it or all of it even though they said they would or just pay the guy his $500-$700 to dry the walls and risk it with the mold?
Has anyone had a similar situation?
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