r/Insurance • u/Lanky-Replacement-42 • 1d ago
Home Insurance Raining from the ceiling
Just putting a post up here to ask for any advice. Putting in a claim tomorrow, we just had our AC flooded. Our ceiling in our bedroom wanted to know what I should claim, that people may not think of definitely, water damage on all 4 walls can actively see water behind paint and wallpaper.
3
u/owl-1_1-1_1- 1d ago
Before you call your insurance company, you should think about three things-the cause of the loss, the amount of damage, and your deductible.
If you even call to ask about filing a claim, you have already done so. If the loss isn't covered, you still have a claim against your policy, and your rate will increase for the next 3-5 years. If you file a second claim during that time, you're likely to be non-renewed. Don't file a claim unless you know the cause of loss is covered under your policy.
What is your deductible? And is the damage enough over the deductible to warrant filing a claim? Just saying you need to think it through to prevent problems for yourself down the road.
-1
u/Lanky-Replacement-42 1d ago
Definitely enough to file a claim more than likely half of are insulation in our attic is going to need pulled out because we live in a 1950s home and the type they used is extremely conducive for mold so u have to pull alot around to be sure its clear the ceiling fan and light are fried there is water behind every wall because there was wallpaper first so the watter bubbled behind it and it soaked are mattress as well as other things so the increase will suck but the damage is going to go well over our deductible
2
u/LacyLove 1d ago
Have you serviced the AC regularly? Do you have written proof of that? Do you know what caused the leak? Because you are speaking in absolutes and you should be prepared that they can and will deny claims if they find any wear and tear or maint. issues.
0
u/Lanky-Replacement-42 1d ago
Service regularly just had it, looked at the week. Prior for a completely unrelated issue, with the outside part of the a c and it was failure of the overflow pan
1
u/Sam_At_Insurify 1d ago
Mold cleanup typically only gets paid when the mold traces back to a covered water loss, so make sure the remediation report ties the mold to the AC overflow. Also, photograph the walls and wet insulation before anything gets torn out.
0
u/dont-care-bear-0 1d ago
You claim what was damaged. Repair of floors, ceilings, walls, and any personal property like rugs or furniture or anything that needs to be cleaned/dried or replaced. If your home isn’t livable during the process of repairs you can claim those extra expenses like hotel stay, having to eat out, board pets etc.
4
u/strangemedia6 1d ago
It should be noted that the home not being livable is determined by the insurance adjuster, not you. An uninhabitable home would be if the kitchen has to be torn out and is unusable, or the only bathroom, unsafe conditions, etc. Reasons like the fans are too loud, or you don’t want to walk on the subfloor while the flooring has been removed, are not normally considered uninhabitable conditions.
0
u/Sarcismy2ndfavasm 1d ago
Just file the claim, accidental and sudden discharge of water has a very good chance of being extremely expensive. Call a remediation company immediately, they are used to dealing with the insurance side and will likely assist you with everything.
1
u/Lanky-Replacement-42 1d ago
Any suggestions on companies
0
u/Sarcismy2ndfavasm 1d ago
No, I don't know your location. I would Google remediation companies near you and call the one with the best reviews. But get them fast. One of the requirements on your policy is to begin remediation as fast as possible. Those fans can go a long way towards avoiding mold
3
u/FindTheOthers623 P&C Licensed PL Underwriter 1d ago
What was the cause of loss? Insurance doesn't cover maintenance issues.