The structural engineer working for the insurance company finally came to survey our buckled tile floor. Why they send people who are allergic to dogs out to survey people's homes without first checking to see if they have dogs is beyond me, but that's who we got. Despite us putting the pups out on the back porch for the duration the man had to wear a heavy-duty mask and couldn't touch anything. He didn't make any comments to us, but said we should hear a determination from State Farm in a couple of weeks.
35 days it's taken just to have the damage assessed. I guess it's a good thing it wasn't a broken water pipe.
Anyway, the survey was what we were waiting for before we did anything to deal with the situation, so yesterday my guy removed all the buckled tiles and broken mortar under them. He was able to salvage all the old tiles except the two by the wall that cracked, so they can be reused. Once he gets some matching new mortar and two tiles to replace the broken ones, he's going to do a temporary fix until the insurance company decides on the claim. Although damage from freezing is covered under our policy, damage to floor tiles is not, so it's a toss-up. We're expecting them to say it's not covered.
3 comments:
This just gets my dander up. Even if they deny you, please get them to give you very specific details on why. Then Google for specific claims of the same.
I still think they're trying to pull a fast one.
Seems like State Farm won't cover anything anymore if they can weasel out of it. It's sad because we've had them for almost 35 years as our insurer, and have only made one claim in our old house and two here. They covered the first one but denied the last two. This will be the third claim for this house, and if they deny it we're probably going to look elsewhere for home insurance.
We have Progressive. While I hear horror stories from people for every insurer out there, we've been pretty happy with them and have no complaints. Like I said in my last comment on your floor update. Insurance company definition: A company you pay thousands to over the years just to hear the word 'no'.
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