Ok I began renting out our house back in March. After the renters moved in they found a water leak from the refrigerator water line that leaked during the unoccupied 3 weeks after my wife and I moved out. Insurance said I could NOT even make an inquiry and I had to make a claim; which they denied due to "negligence" and the fact that mold was found. State Farm apparently doesn't cover any mold or black water remediation at all; and none of the damage or repair was covered (drywall, carpet, baseboards, labor, mold remediation) and I was in the hole for over $6,000. I paid and hope I don't have to deal with it again.....
Well.... Two days ago my renters call and show me a picture of the ceiling of the laundry room. It has a bubble in the paint. I immediately call the insurance and ask what they want me to do; they send out their restoration company immediately and they IR the wall saying yes the wall is damp ceiling to floor and that State Farm will most likely cover it if I make a claim; but they won't cover leak repair so call a plumber to come fix leak first. The plumber finds that it is most likely coming from the upstairs vanity drain; but he found mold on the insulation and his opinion is that there would be more on the backside of drywall maybe.
My question is: what do I do? 1.) have plumber fix leak, then have cheap repair to small section of drywall damaged by repair or bubbled by moisture and leave it at that? Risking mold spreading behind the wall? 2.) have plumber fix leak and pay the $1,000 deductible and make a claim with my insurance. All knowing full well that they may not cover it at all and on top of that it will have been entered into the federal records that mold was found at this time; which would prevent me from getting insurance with another company for at least 3 years and who knows maybe they even will drop me?
Side note: State Farm told me: " we can't do an inquiry because it's the same thing legally to insurance companies as a claim; we can deny it and it will still be reported to all of the applicable agencies and will have the same effect on you as the policy holder". How is this true? Back in March they said this then another woman two months later from the same office tells me I should have made an inquiry; I told her that her coworkers said I couldn't and she said they're wrong. Wtf is going on?
Please help.
Submitted September 20, 2016 at 07:51AM by Paranoma http://ift.tt/2d76jlM RealEstate
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