Reply to Lessons Learned from Basement Flooding?

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Reply to "Lessons Learned from Basement Flooding?"

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[quote=Anonymous]We wanted to do upgrades and insurance contractor was not willing to do it. Took us ages to start the work after getting dozens of quotes from other general contractors. In hindsight we should have just gone with the insurance approved contractor.

We also installed a flo by moen since our damage was due to a pipe burst, not a flooding.

Another thing I wish we had known - never give the lowest estimate to the insurance adjuster. Give the highest quote you get and go from there. You will have more leeway when bridging the gap in quotes between their approved contractor and yours.

And for itemizing your personal property, create a spreadsheet and link similar items if you can. I saw a reddit thread where an adjuster said that if we just say coffee table, they will give you the amount for say something from Target, at the depreciated value. But if you give details like coffee table from Pottery barn and link a similar one, you will get whatever it is worth after depreciation. Details is the key. It took me some time but I went through everything that was damaged and gave a detailed description of the item, with a link to where it is available, and the condition before the damage. I also provided lots of pictures that I had taken right away after the damage. The adjuster was fair when they paid out for the personal property loss.

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