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

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[quote=Anonymous]We had a burst pipe while we were away and it ruined our wood floors for the whole first floor and leaked into a basement bedroom. We needed drywall repairs and painting as well as replacement flooring. The first insurance estimate lowballed us and included sloppy errors like using incorrect measurements for square footage and wall surface area. We got several estimates of our own for the repairs, and submitted those to the adjuster, along with a line-by-line response and correction to the estimate.

It took about three iterations of increased estimates and our line-by-line responses, slowed down more than once when the adjuster would just disappear on us and we’d have to escalate to the supervisor, but they ultimately agreed to cover the full cost of the repairs. This included repainting the walls and trim on the entire open-space first floor so there wouldn’t be a visible difference between the freshly painted area and the rest of the walls. We also had the painters do some extra painting while they were here, beyond the restoration project, and just paid for the added cost ourselves.

So all that is to say that with patience, persistence, and time, you may be able to get what you need from them on your own. But if your project is bigger, an independent adjuster could take some of the pressure off of you.[/quote]

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