FIRE!!!!! in my house...almost

[kakata]

.....or, just in case, ladyes can use my place...(no pets, no husbands, please)

 

[Mousey]

.....or, just in case, ladyes can use my place...(no pets, no husbands, please)

well, that leaves me out... My cats would have to have a place to stay, too.

 

[Mousey]

If that's the case then the homeowners Insurance Company would have went after the dishwasher people on behalf of the homeowner, that's part of the policy provisions...

It may or may not be in the policy ... plus... in my dealings w/ins. companies, they will do as little as possible to help and as much as they can to pay as little as they can.

Mousey's tip of the day: Review your homeowners policy carefully annually -- or when you've made any changes to your house, made a major purchase (like a super duper computer or honking big diamond ring) you may need to add a rider.

 

[RobWin]

It may or may not be in the policy ... plus... in my dealings w/ins. companies, they will do as little as possible to help and as much as they can to pay as little as they can.

Mousey's tip of the day: Review your homeowners policy carefully annually -- or when you've made any changes to your house, made a major purchase (like a super duper computer or honking big diamond ring) you may need to add a rider.

Yea, I agree Mousey...I try to get with my agent at least 3-4 times a year and run them thru the 20 question routine just to make damn sure I am covered in the event of the unknown senario...

 

[just play]

It may or may not be in the policy ... plus... in my dealings w/ins. companies, they will do as little as possible to help and as much as they can to pay as little as they can.

Mousey's tip of the day: Review your homeowners policy carefully annually -- or when you've made any changes to your house, made a major purchase (like a super duper computer or honking big diamond ring) you may need to add a rider.

Really?

A few months ago we had a oil burner (I think that's what it's called, it heats our home) and paid $5,800 to buy it and installation.

 

[GrandMaster]

About the dishwasher that caused all those problems...

She called the manufacturer. they offered to send someone out to repair the dishwasher for free. It was still under warranty and would have been repaired for free anyway. Manufacturer insisted that a clogged drain line (homeowners problem) caused the dishwasher backup. That wasn't the problem. Anyway, after thousands of dollars in repairs to the house, numerous phone calls to the dishwasher manufacturer, (the tech said there was something wrong with the pump and something else in the dishwasher that made it run over and keep running over, and a bad door seal -- there was a LOT of water in that house) -- the manufacturer sent her a new fancier model of dishwasher and had it professionally installed for free. Big whoopdeedo.

She did consider suing them... but she couldn't afford it after the repairs to the house they'd just paid to remodel only months before.

Oh. And her homeowers ins. wouldn't pay for it as they said the dishwasher people should pay, dishwasher people said they were only reponsible for repairing the dishwasher... Sounds like dealing w/ an online casino T&C don't it. LOL

This sounds like the thing that is normally covered by homeowner's insurance, she should check here policy. Then the insurance company can decide whether it is worth suing the manufacturer of the dishwasher. Could she file a complaint to the state insurance commissioner, attorney general, or some other government agency before suing?

 

[Mousey]

From what I remember, I think there was a weird clause in her insurance about 'water damage'... severely limiting how much and exactly what they would pay for.

 

[winbig]

From what I remember, I think there was a weird clause in her insurance about 'water damage'... severely limiting how much and exactly what they would pay for.

I think 99% of the homeowners living in LA during Katrina had the same coverage.

 

[RobWin]

I think 99% of the homeowners living in LA during Katrina had the same coverage.

Yep, I actually added that additional clause (water damage) to my policy after katrina...

 

[GrandMaster]

Flood damage is different from water damage. Parts of New Orleans had an average family income of about $10000 p.a. I doubt they had any insurance.

 

[RobWin]

Flood damage is different from water damage. Parts of New Orleans had an average family income of about $10000 p.a. I doubt they had any insurance.

Yea you're right about Flood vs Water Grand, I remember discussing that very scenario with my agent, eg: water damage from Water Heater Tank vs Flood damage from storm...

And I agree that there were IIRC in the hardest hit areas of Katrina only about 10% of the folks there that were actually covered by a Homeowners Policy...