I got rainwater in my apartment!
- Thread starter dHustla
- Start date
don't just let it dry and let them install the new stuff....they have stop mop the whole affected area with bleach so you don't get mold..
It won't stop raining!and now my carpet soaked!
I didn't notice it until midday Xmas eve, around 3 or 4 and of course the office was closed.
Anybody have any experience with this kinda shit? What should I expect? I'ma have to make a claim with my renter insurance?
I wonder what the apartments gon do to fix this. I want new carpet, not just cleaned.
Fuck, I feel like I live in the projects.
Damn shame what it did to your new Playstation 4 Xbox one and you 52 inch LED TV
Dhustla u need to be knocking over computer screens and shit
Jagu - Thanks for the intel & correction. Didn't catch that part initially as I was quickly skimming over the thread. Good discussion, everyone. Gonna read up in a few.
Thanks for keeping us posted, and continued best wishes, DHustla.
I been trying to stay positive man but it's not even the flood water or the c ad rpwt that's getting to me.
It's the way that management is trying to handle me. Like I should just accept whateva and just deal wit it.
If you plan on dealing with renters insurance don't refer to that shit as flooding.
Trust me they'll deny your claim immediately if its classified a flood
I know, right???
He forgot to mention the 2 new 60" Samsung UHD Smart TVs, Alienware laptops, & iMacs that you left in your bedroom. Sure hope your Sonos didn't get wet...
Now you tell me!
I already tried to file a claim and he told me that outside surface water, anything like flooding, would not be covered
I sent the mold test sample off Sat afternoon.
Now you tell me!
I already tried to file a claim and he told me that outside surface water, anything like flooding, would not be covered
I sent the mold test sample off Sat afternoon.
They're trying to tell me the same thing but its bullshit (at least in my case it is) which is why im fighting it.
Flooding is a very specific thing, it isnt just when there is a water intrusion but they try to classify it all as flooding so they won't have to cover it.
In my case there was a leak, I called my property owners and they sent a roofer to repair the damage and stop the leak but he ended up making it worse. This led to the water building up and eventually causing collapse. That isn't a flood and none of their water exclusions apply so they're trying to define it as such to not pay me but I'm not having it so I'll be fighting them for a while.
Y'all nighas need to knock over computers and flip desks like dude did on lean on me
Good luck bro. Can you keep your pup at someone's house? Mold ain't no joke.
See, I don't know the exact cause of the water, I can only speculate. It doesn't seem to be coming from above, no visible leak anywhere.
And I don't know the specifics of the insurance policy, like what they consider flooding, etc. While talking to the guy on the phone I got that he was more concerned with the cause, that I have no knowledge of and no way of investigating, and I was more concerned with the effects, I only know what I can see.... the fucking floor is soaked and smells like mildew.
I don't even know how to fight it with the insurance company. He told me that they wouldn't be able to escalate it to a claim until Monday, and even then it would be subject to all kinda caveats.
If it's intrusion of water from a grading issue outside, or from foundation issues, whatever the insurance considers as flooding... how would I fight that?
I got a shop (warehouse/office) location and she loves it. 1000 sq. ft. With more room to run around outside than the apt.
I just have to watch her, she get into stuff. Yesterday she got into something in the shop and it made her throw up twice
I saw it when I got back. Still don't know what it was, but I hope she smart enough leave it alone, whatever it was.
Ok. Let's really talk about this.
Are they not obligated to provide me with a livable unit while I have a lease with them?
It don't have to be a hotel, but at this point they are offering NOTHING.
NO ALTERNATIVE LIVING SITUATION. Even though my carpet is STILL wet. Even though it's been wet since at least Thursday. Even though my apartment smells like mildew and it's hard to breathe in that bitch.
They were acting like they were bending over backwards for me and I was being difficult...
1. Because I don't wanna sleep in a wet apartment, with my furniture all moved and stacked on top of itself, bed up on its side, and I'm too big to be sleeping on my sofa!
2. Because I don't wanna sleep on the floor in a vacant unit?
3. Because I don't want to stay in a model unit? (Which they aren't even offering anymore because the property manager was told not to by her boss)
Fam, I work. Hard. ...to be able to afford better, and I deserve better than that.
And I'm through living like that!
If ever I sleep on the floor, it is by choice, not because of someone else subjecting me to that being my only option.
He has already reported it as such. That case s closed with them.
You should read your policy thoroughly specifically the section on water exclusions.
If its flooding, water from the foundation (any sort of groundwater), bursted pipes or something similar they won't cover it.
I would determine the source first and see if its covered then go from there.
But if your insurance company doesn't cover it your landlord would be liable if the water intrusion was a result of their negligence somehow.
What if he was wrong though?
A lot of people may use the word flood not realizing that not every water intrusion is actually a flood.
If this wasn't definitively a flood couldn't he correct that with them and still file a claim.
Good luck with that during deposition. It also depends on how much details he gave them.
Let me ask you this then.
In my situation they've classified my water intrusion as being caused by flood and windstorm (neither of which are true).
What would be the best way to proceed if they continue to fraudulenty deny my claim?
Get a lawyer involved and prove otherwise, they will change their tune.
Im hoping to avoid that because the damages are only around 4000 (give or take) and this is basically just a small claims case for the most part.
For what I'd have to pay a lawyer Id lose a chunk of what i would receive.
If I have to I will but Im hoping to do it myself.
I got this insurance through geico and they insured me through a company they're affiliated with so I'm hoping that if this company keeps bullshiting Geico may step in.
Do yo have pictures that you can show them or can you ask them to send an adjuster over to see the actual origin or path of the water?
Yes not only pictures but a video taken immediately after which shows the water coming from the ceiling and documents the resulting collapse/damage but they also have pictures because they already sent someone. However the person they sent only documents the damage done to property, the actual adjuster never came to see the damage.
But proving where the water came from woudn't be an issue because I can get the work orders, my complaints, etc. from my rental company which would prove this was the result if a leak in the roof which was the result of built built up rainwater on the roof (which was the result of the roofer they hired not doing the job properly). My policy states (under collapse) that if a collapse is caused by built up rain water on the roof or is caused by the negligence if a contractor (both of which are true in my case) then I'm covered under this policy which is why they are trying to define it as a flood.
Dhustla the only nigga on this site who posts and I can imagine how his voice is. That Avi been throwing me off for years and the other one he has with the bitch no teeth with gun.
Fucked up ya landlord treating you like that.
And do u live alone?
U got a small ass dog or a big one?
Fucked up ya landlord treating you like that.
And do u live alone?
U got a small ass dog or a big one?
Ok, Xmas eve (12/24) I noticed my foot was wet when I stepped in a certain spot next to bed. I made not to stop by the office on my way out, or on my back in, I was kinda busy that day. I forgot both times and by the time I remembered, it was about 5pm, they were closed.
Later that night I noticed it was even more soaked on the other side of the bed near an outside wall & window, like water would come up through my toes with each step, also it was a larger area, about 3-4 times the wet area that initial noticed on opposite side of bed.
I made this thread. Somebody suggested I call the emergency maintanince number, so I
because I hadn't thought about that, so I did, and left a message at like 3am or 5am.Xmas day (12/25) Maintenance shows up about 10:30 or 11am. I show him the wet areas, he says "they'll have to take up the padding, I'll call the carpet people & see if they can get out here". Maintenance calls shortly thereafter and tells me that the carpet people will be there in an hour.
About 12:30-1pm, the carpet vendor/contractor shows up, I show him the areas. He tells me that he'll have to remove the padding and that he'll leave the carpet. We get to moving furniture, taking bed apart, etc. Once we stand the bed up on its side he sees that mostly the whole room is wet, he roomed all the padding in bedroom & closet, a corner of adjacent living on other side of wall, and the closet in 2nd bedroom. Then he used the cleaner every where that he had trampled & drug his carpet cleaning hoses & wand. So when he left the carpet was still soaked, and even more area was wet than before due to him using the carpet cleaner. He didn't leave a dryer, any kind of fan, or a dehumidifier to aid in drying the carpet or air.
After thinking about it for a few, I was like "Where I'ma sleep?
I can't stay here because it's wet everywhere I got room to walk, bed is standing up and I can't put it back down because that will slow down drying even more. So I call maintenance, he has to call property manager, she calls from a restricted number & leaves a message telling me to call my insurance & make a claim. I call insurance & get an after hours call center. They have no access to my policy, they cannot give me any answers, theycan only take info & dispatch to an adjuster.
Adjuster calls and explains that none of that is covered and why it's not. He said flooding or any kind of surface water from outside is not covered, nor is any damage that it may cause to my belongings.
So I call maintenance back, tell him what insurance told me, he says he'll call property manager. She plays phone tag with the restricted number for a couple hours & finally calls from an unrestricted number. I update her, she offers a vacant unit, I ask if there is a bed in it, she says no and starts to ask something about an air mattress, I cut her off
and say I'm not sleeping on the floor and I think I need a hotel. She says she gotta call her boss because she not authorized to do that. She call back & day she couldn't get him & he's out of the country. She them offer the model unit but tells me it doesn't have heat. I'm like "What? It doesn... ok, that's cool". She send a different maintenance man to open it for me.
Mind you, all of this was XMAS DAY!
I crashed there, but wasn't comfortable at all. I got up early, went back to apt and the smell hit me when I opened the door. Mildew! I immediately thought of mold and went to get a mold test kit. When I come back I noticed someone had been there, the smell was masked like they sprayed something, and there was a dehumidifier in the bedroom.
Property manager calls and I get in her ass about ppl in my apt without my knowledge & my being present. Then I tell her about the smell, the carpet still being wet, me uncomfortable & inconvenienced, etc.
She says she'll call her boss & asks what I want her to ask for, I say a hotel room until this whole situation is resolved. She calls back & tells me that they cannot pay for a hotel, and she was instructed not to allow me in the model again. She gives me a number & name, says he's her regional, then says he's vice president, I ask her to spell it, she tells me hold on, etc. She gets an attitude, says she don't appreciate blah blah blah & hangs up.
I call the number she gave me and it's a voice mail box.
Yes, I want to move, but being that it's the holiday season and weekend, and all of this started on Xmas eve, I haven't had a chance to secure another spot yet. Most I've done is search trulia & zillow and emailed a couple spots.
I'm trying not to do that. Then I'll be the "angry black man" that's intimidating and threatening.
That will validate any insecurities or prejudices they might already have of us/me.
Ok, Xmas eve (12/24) I noticed my foot was wet when I stepped in a certain spot next to bed. I made not to stop by the office on my way out, or on my back in, I was kinda busy that day. I forgot both times and by the time I remembered, it was about 5pm, they were closed.
Later that night I noticed it was even more soaked on the other side of the bed near an outside wall & window, like water would come up through my toes with each step, also it was a larger area, about 3-4 times the wet area that initial noticed on opposite side of bed.
I made this thread. Somebody suggested I call the emergency maintanince number, so I
Xmas day (12/25) Maintenance shows up about 10:30 or 11am. I show him the wet areas, he says "they'll have to take up the padding, I'll call the carpet people & see if they can get out here". Maintenance calls shortly thereafter and tells me that the carpet people will be there in an hour.
About 12:30-1pm, the carpet vendor/contractor shows up, I show him the areas. He tells me that he'll have to remove the padding and that he'll leave the carpet. We get to moving furniture, taking bed apart, etc. Once we stand the bed up on its side he sees that mostly the whole room is wet, he roomed all the padding in bedroom & closet, a corner of adjacent living on other side of wall, and the closet in 2nd bedroom. Then he used the cleaner every where that he had trampled & drug his carpet cleaning hoses & wand. So when he left the carpet was still soaked, and even more area was wet than before due to him using the carpet cleaner. He didn't leave a dryer, any kind of fan, or a dehumidifier to aid in drying the carpet or air.
After thinking about it for a few, I was like "Where I'ma sleep?
I call insurance & get an after hours call center. They have no access to my policy, they cannot give me any answers, theycan only take info & dispatch to an adjuster.
Adjuster calls and explains that none of that is covered and why it's not. He said flooding or any kind of surface water from outside is not covered, nor is any damage that it may cause to my belongings.
So I call maintenance back, tell him what insurance told me, he says he'll call property manager. She plays phone tag with the restricted number for a couple hours & finally calls from an unrestricted number. I update her, she offers a vacant unit, I ask if there is a bed in it, she says no and starts to ask something about an air mattress, I cut her off
She send a different maintenance man to open it for me.
Mind you, all of this was XMAS DAY!
I crashed there, but wasn't comfortable at all. I got up early, went back to apt and the smell hit me when I opened the door. Mildew! I immediately thought of mold and went to get a mold test kit. When I come back I noticed someone had been there, the smell was masked like they sprayed something, and there was a dehumidifier in the bedroom.
Property manager calls and I get in her ass about ppl in my apt without my knowledge & my being present. Then I tell her about the smell, the carpet still being wet, me uncomfortable & inconvenienced, etc.
She says she'll call her boss & asks what I want her to ask for, I say a hotel room until this whole situation is resolved. She calls back & tells me that they cannot pay for a hotel, and she was instructed not to allow me in the model again. She gives me a number & name, says he's her regional, then says he's vice president, I ask her to spell it, she tells me hold on, etc. She gets an attitude, says she don't appreciate blah blah blah & hangs up.
I call the number she gave me and it's a voice mail box.
Ok, based on the facts here, I think it's safe for you to be able to notify them of your inability to live in the place as intended and then deduct the cost of your hotel until the place is habitable again. Of course you have to tell them that you will be getting a hotel and you will deduct the cost of the hotel room.
If they do not make the place habitable within a reasonable time, then you can move out and claim constructive eviction if they sue you for not paying or breaking the lease.
You didn't provide enough facts for denial of the insurance claim.