Reply to Negotiation with insurance after big water leak ... help me!

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[quote=Anonymous]We had a bad water leak involving buckled wooden floors in an old house.  We are in the process of drying out, and will hear from the insurance company next week on what they will cover.  At a minimum, they will pay to replace the wooden floors that were obviously buckled.  What is outstanding is whether they will pay to repair some of the neighboring bathrooms that are not visibly damaged, but for which the wooden subfloors are probably still wet.

Insurance is currently paying for our temporary housing.  Insurance is likely to give us a specific amount as a lump sum for the repairs of X, Y, Z, which is to be determined next week.  A few questions.

1.  Let's say insurance say they will cover X, but not Y, but I believe they should cover Y.  What is my recourse?

2. Let's insurance gives us $X amount for all the repairs.  Can I take that money and just buy a new house?  What are my options that point?  How much time will they typically give me to make a decision?   How/when do I bring that up without negatively impacting my claim?

3.  Let's insurance gives us $X amount for all the repairs.  Can I also do repairs of other items that insurance is NOT covering (for which I pay for myself).  How does the housing work b/c they are paying for our temporary housing?  How/when do I bring that up without negatively impacting my claim?

For instance, since we had one leaky pipe, part of me wants to pay out-of-pocket to replace all the old pipes.  But this is a big project that involves coordination and involves additional time.[/quote]

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