Insurance Vacation? Full Refinish or Live with Small Damage

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Seems like you should see if insurance will pay and then decide what to do. They might not pay.

We have delalt with cases against insurance before and can get them to pay the entire amounts its just a question of whether we should get everything done or just patch it. We also know they will pay our ALE (Loss of Use).

If you know for certain that your insurance will pay after you submit all the estimates, then redo the whole floor. Yes, its a hassle, but if insurance will pay for it, then why not?

What kind of wood do you have now? Is it factory stained? If it is a common color, I would push to have it ripped out and replaced instead of restaining it. Cost would be pretty much the same.

We had water damage and half the kitchen hardwood was raised. Adjustor at first asked us to wait and see if it went back to normal, but by the time he came to see it, it was already a month and no signs of it going back to normal so he approved the ripping out and replacing for the entire floor. Their estimator came by and used the xactimate software and came up with a price for all the damage. We went with our own contractors (our estimate was 10k over theirs) and we were paid in 3 installments.

How did you handle moving things out? We have a grand piano and lots of furniture? I am a little hesitant in having the flooring company move it and would prefer to have professional mover take it out and store it some where

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Seems like you should see if insurance will pay and then decide what to do. They might not pay.

We have delalt with cases against insurance before and can get them to pay the entire amounts its just a question of whether we should get everything done or just patch it. We also know they will pay our ALE (Loss of Use).

If you know for certain that your insurance will pay after you submit all the estimates, then redo the whole floor. Yes, its a hassle, but if insurance will pay for it, then why not?

What kind of wood do you have now? Is it factory stained? If it is a common color, I would push to have it ripped out and replaced instead of restaining it. Cost would be pretty much the same.

We had water damage and half the kitchen hardwood was raised. Adjustor at first asked us to wait and see if it went back to normal, but by the time he came to see it, it was already a month and no signs of it going back to normal so he approved the ripping out and replacing for the entire floor. Their estimator came by and used the xactimate software and came up with a price for all the damage. We went with our own contractors (our estimate was 10k over theirs) and we were paid in 3 installments.

How did you handle moving things out? We have a grand piano and lots of furniture? I am a little hesitant in having the flooring company move it and would prefer to have professional mover take it out and store it some where

The flooring contractor's men moved it to other parts of the house and moved it back when finished - we did not stain but replaced all the hard wood. When they did the family room and kitchen, our furniture was in the formal areas and vice versa.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I would not put in a claim and try to match it as best as possible

We already started a claim as so far the damages are over 20k but the flooring issue was just found out as we had hoped it would dryout and wouldn't need to be fixed.

Then claim it and see what they say.

[Anonymous]

PP again. Ours was just 1200 SF so it was done very quickly in 3 days.