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Posted by Not Avaiable on September 26, 2006, 3:20 pm
MLD wrote:
>> Hi all,
>>
>> Yesterday the flush tank on the second floor overflowed and caused a
>> little bit of flooding. About 40 square feet of tiled area and 10
>> square feet of carpeted area was covered in water. Water leaked through
>> the floor and damaged the ceiling on the first floor.
>>
>> I managed to shut off the leak before it did much damage. Water
>> probably leaked for about 15-20 minutes. The ceiling is intact, with
>> very little water marks.
>>
>> Today we had a restoration expert come in and he plans to
>> - remove the wet carpet
>> - put a large fan to dry carpet padding
>> - Put a large fan to dry the tiles
>> - Cut the sheet rock on the first floor ceiling
>> - Put a large fan to dry the ceiling
>>
>> I talked with a few other people (not in water damage restoration
>> business) and they claim, we don't have to do all this. Every thing
>> will dry out and it is unlikely for mold to appear with this little
>> amount of water. According to them, I should dry out the carpet with a
>> fan.
>> Ceiling will be ok, sheet rock is supposed to absorb water.
>>
>> Now, I am considering whether to let the professional do the job or
>> wait for the carpet to dry?
>>
>> What have been your experiences? Any suggestions on what is the right
>> thing to do?
>>
>> TIA
>>
>> Abhi
>>
> As I noted in another post--your homeowner's insurance will cover any damage
> and restoration costs associated with this type of appliance failure. In
> the course of any restoration if new code requirements lead to increased
> costs your insurance will (or should, if you have proper coverage) pay for
> that too. Don't take any short cuts---most restoration companies will pull
> everything thing out that has been water damaged. I had the same type of
> toilet failure and even had the tile floors (two of them) ripped up and
> replaced. I was away for the two or three days the water must have been
> running and had extensive water damage. Insurance company covered all but
> $200 deductible including about $2000 to 3000 in required code upgrades (new
> vent pipe(s). drain line, exhaust fan, GFI's, electrical service box etc.).
> It wasn't easy fighting the insurance company but when finally challenged to
> get a contractor who would do the job for what they offered, they gave in.
> MLD
>
>
That was part of the reason why our insurance premiums increase each
year. I never used my home insurance, and I guess I am just paying for
some of those people to upgrade their homes or pay for the regular
maintenance such as roof replacement.
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