Wind Roof Damage Insurance Claim
IKE Roof WindDamage
Rental Business: Insurance Claim – How do I let a contractor know politely I’m not going to hire him?
Hi,
I am a landlord and have a rental business. Following a wind damage a contractor I called came and did some urgent work like cover roof temporarily etc. The insurance will pay him for that. However, there is more work to do and he provided a quote to do that too. I decided not to hire him because I learned the insurance is willing to pay me around $10,000 so I fix it myself or hire whoever I want to do it properly even if for less.
The contractor was nice to me and did come to the property a few times. How do I tell him my decision professionally without pissing him off?
I want at least to sound fair. I know I do not owe him anything but still I guess I did give him the impression he will do the other job as well. THANKS.
Thank you Everyone for the Great feedback and ideas! Regards, Neil
“Thank you for your past work. I have decided to accept another bid for this job. Please feel free to use me as a reference in the future.”
While he may be disappointed he didn’t get the bid, that’s part of the nature of his job.
Insurance Claims and water
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Water damage in the apartment is often covered by homeowners insurance. For example, Insurance-can your losses by a burst pipe or leaking appliance cover. However, if your house is flooded because a nearby river overflowed its banks, youâ € ™ re on your own (unless you have a National Flood Insurance Policy from the National Flood Insurance Program).
Water Compensation claims are tricky. For example, if your home floods because a strong wind blew off the roof event and torrential rains damaged Your home are covered the damage, but are likely if the flood is the result of storm surge, youâ € ™ re probably on your own.
Below are a couple of water damage claims, which are typically covered by insurance:
 · pipe burst
 · Bathtub and sink overflows
 · washing machine overflows and other devices
 · damage by water from leaking Roof
However, insurance policies are filled with gaps. For example, if your pipes burst because they froze overnight, While You Were Sleeping, will the insurance cover the water damage. However, if you left the house with the heat turned off while waiting on holiday, then, that the insurance company, the demand denied on the grounds that you didnâ € ™ t perform necessary maintenance of your home.
In addition, say that Your washing machine overflows extensive water damage . The insurance company is likely for the water damage to the pay building and its contents but they wonâ € ™ t necessarily pay to repair the washing machine.
Similarly, a leaking roof can cause water damage is usually covered by insurance is homeowners. However, the roof repairs are considered a maintenance issue and therefore the roof itself isnâ € ™ t covered. The exception is when the roof leaked because of damage from a covered event such as hail, falling trees or in high winds.
The following water damage claims are generally not covered by the standard homeowners insurance:
 · flood from an overflowing river or lake
 · Sewer Backups
 · water seepage
If you want to be covered from natural floods as overflowing rivers, tidal surges and flash floods, you need a National Flood Insurance Policy to buy the federal government. While many people believe that this policy only for homeowners living in designated flood areas, itâ € ™ s important to understand the flooding can occur outside of recognized flood zones.
Sewer Backups are generally not covered by standard homeowners insurance policies are. In fact, this type of water damage is often specifically excluded from politics. This doesnâ € ™ t mean that you € ™ t your house insure against this kind of loss even though Cana. Check with your insurance company about purchasing a specific Note that the coverage generated for sewer and drain backup.
Seepage of water, a common cause of flooded basements, is also excluded from the typical insurance. Seepage is considered a preventable maintenance problem, not an accidental loss. If youâ € ™ re on The water seeps into your basement is concerned, take the measures necessary to maintain your house and to prevent this type of damage. For example, you may need to a re-evaluation of your lot, put a sump pump, or seal your walls with a waterproof seal.
Clearly, water damage related insurance claims are complex. Professional water damage restoration experts in both mopping up the show and navigating the complexity of whatâ € ™ s mostly overcast and whatâ € ™ s not.
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