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- Aug 6, 2018
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So I've already posted about my issues with water getting in the house and then the resulting carpenter ants issues.
Ants have hopefully been taken care of as we had the exterminator come twice now. And we think we found the source of how the water was getting in...but now we are dealing with the aftermath of damage to the home. I know for sure there is some, but unsure of the extent.
I've contacted a restoration company that deals with water damage (among other things), and one of the first questions they asked was if we are going thru insurance. I also contacted an independent contractor, and he also asked about insurance.
I just want someone to tell me where the water was coming in and the extent of the damage. But it seems like they have to start an insurance claim at the same time??? If I can fix some of the issues myself, and hold off on some things I want that option. I'm also terrified of going thru the insurance due to increased premiums. And what if they find mold? Will they force me to fix it right away and evacuate us from the home?
Has anyone dealt with a house insurance claim before? I also contacted my insurance and it seems like my insurance wouldn't cover it if I put in a claim...but the restoration company thinks otherwise. What if the costs to fix are out of my budget and my insurance denies my claim? Will I be forced to fix everything because there is a "paper trail" that my house could be "contaminated" or "unsafe"?
I'm so stressed....I'm scare of this possible Pandora's box scenario.
Ants have hopefully been taken care of as we had the exterminator come twice now. And we think we found the source of how the water was getting in...but now we are dealing with the aftermath of damage to the home. I know for sure there is some, but unsure of the extent.
I've contacted a restoration company that deals with water damage (among other things), and one of the first questions they asked was if we are going thru insurance. I also contacted an independent contractor, and he also asked about insurance.
I just want someone to tell me where the water was coming in and the extent of the damage. But it seems like they have to start an insurance claim at the same time??? If I can fix some of the issues myself, and hold off on some things I want that option. I'm also terrified of going thru the insurance due to increased premiums. And what if they find mold? Will they force me to fix it right away and evacuate us from the home?
Has anyone dealt with a house insurance claim before? I also contacted my insurance and it seems like my insurance wouldn't cover it if I put in a claim...but the restoration company thinks otherwise. What if the costs to fix are out of my budget and my insurance denies my claim? Will I be forced to fix everything because there is a "paper trail" that my house could be "contaminated" or "unsafe"?
I'm so stressed....I'm scare of this possible Pandora's box scenario.