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

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[quote=Anonymous]I haven't read the whole thread, and I'm sorry if you've already mentioned this, but where are you located? We are in Baltimore and had something similar happen in our 100-year-old row house. The insurance estimate was initially about 12k. We worked with a contractor (Unique Resources, if you are local) who was very skilled in dealing with old houses and with insurance claims. The final tally of insurance payments came to about $200k.

One thing to look for in your insurance policy is something called "code compliance." This basically says that in the event of damage, the insurance company has to pay to bring the area damaged up to current code standards. Thus, because there was water damage to our kitchen wall, the insurance company had to pay to upgrade my kitchen outlets. The insurance company will not point these things out to you, but if you have a savvy contractor (or an outside adjuster) they will help you navigate this. Good luck! It took a long time of bickering with the insurance company, but about 18 months after our flood we returned to a beautiful house![/quote]

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