Not sure which board this best belongs on so I am posting here and another board.
Short version,,, I own a rental house and last month a new renter moved in.
She hooked up her washer and ran a load of towels. It turns out the washer drainage line is clogged and the drain overflowed and flooded into the utility room and then through the doorway into the kitchen, then under the wall in the kitchen and into a bedroom.
I had ServPro come out and take care of the remediation... drying out the place, removing baseboards and they removed the vinyl flooring in the utility room and also removed some in the kitchen and in the adjoining bedroom (in the BR closet).
I filed my claim with Homeowners of America insurance just came back and gave me their estimate, it is under my deductible so their is no payment on the claim (the deductible is high but that is another subject).
I'm not sure how homeowners insurance works as I have never filed a claim... Is it standard practice to only give you an estimate to replace just a portion of the room's flooring that was damaged?
Their estimate is to replace approx 50% of the kitchen's flooring and 30% of the bedroom flooring.
So I am supposed to pay to replace the remaining (undamaged) portion of the kitchen and bedroom? Who wants mismatched flooring! Is that standard practice to quote that way?
Also, the Insurance co worked with ServPro and it appears the fee isn't included in my claim. Is that normal? I haven't seen a bill either.
Short version,,, I own a rental house and last month a new renter moved in.
She hooked up her washer and ran a load of towels. It turns out the washer drainage line is clogged and the drain overflowed and flooded into the utility room and then through the doorway into the kitchen, then under the wall in the kitchen and into a bedroom.
I had ServPro come out and take care of the remediation... drying out the place, removing baseboards and they removed the vinyl flooring in the utility room and also removed some in the kitchen and in the adjoining bedroom (in the BR closet).
I filed my claim with Homeowners of America insurance just came back and gave me their estimate, it is under my deductible so their is no payment on the claim (the deductible is high but that is another subject).
I'm not sure how homeowners insurance works as I have never filed a claim... Is it standard practice to only give you an estimate to replace just a portion of the room's flooring that was damaged?
Their estimate is to replace approx 50% of the kitchen's flooring and 30% of the bedroom flooring.
So I am supposed to pay to replace the remaining (undamaged) portion of the kitchen and bedroom? Who wants mismatched flooring! Is that standard practice to quote that way?
Also, the Insurance co worked with ServPro and it appears the fee isn't included in my claim. Is that normal? I haven't seen a bill either.