- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Winter Olympics
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: House flooded ( not mine )
Posted on 5/15/20 at 7:40 am to Ponchy Tiger
Posted on 5/15/20 at 7:40 am to Ponchy Tiger
Als his wife. She knows what to do with 4-5 inches
0
Posted on 5/15/20 at 7:42 am to Ponchy Tiger
quote:
Mainly just looking for advice from
Ppl who have navigate this before. Do’s, don’t etc
Make sure those studs are dry before putting Sheetrock back up! My moms house flooded twice. We finally Kilz the studs 5’ up.
Posted on 5/15/20 at 7:43 am to LSUfan20005
Ground up, rain water.
Posted on 5/15/20 at 7:45 am to East Coast Band
If water wasn't high enough to get behind the baseboard you wouldn't have to remove all that. My mother's house flooded in 2016. Just a few inches but it was above the baseboard. And the water stayed for a few days so the sheetrock and insulation got soaked. Insurance adjuster came out and approved removal of 18" of sheetrock hut when we got into the walls the insulation was wet farther up so we took out the lower 4 feet of wall throughout the house. Insurance wasn't pleased but they agreed to it. Funny thing is, the contractor who was helping with repairs said that it was easier to replace the 4 feet than to cut the sheetrock at 18” so the cost of extra sheetrock was mitigated by less labor.
To the OP, if you are replacing sheetrock, most of it is hung sideways so if you find the center point on the wall (about 4 feet up) you should be able to find a seam and rip that tape out easily.
To the OP, if you are replacing sheetrock, most of it is hung sideways so if you find the center point on the wall (about 4 feet up) you should be able to find a seam and rip that tape out easily.
Posted on 5/15/20 at 7:52 am to Ponchy Tiger
Tell your cousin not to do shite until he speaks to his insurance company. People got screwed in the 2016 flood because they were proactive. That’s not hyperbole, i saw it happen personally. And this was someone with flood insurance.
You pay your monthly premium only to watch an adjuster come out and justify (absurdly so at times) why they don’t need to pay for your damage.
You pay your monthly premium only to watch an adjuster come out and justify (absurdly so at times) why they don’t need to pay for your damage.
Posted on 5/15/20 at 7:54 am to Ponchy Tiger
I'll be repeating some things that others have said, but who care
1. Call Insurance
2. Take timestamped photos in each room. Make sure to get all angle and show all furniture. Closets, batherooms, storage areas included.
3. Start removing all furniture, carpet/flooring, and sheetrock up to about at least a foot above the waterline. Leave a small section of sheetrock in each room, maybe a foot wide to prove the water level IN EACH ROOM.
4. Take photos of every single item that got wet. You can use this to make your list of contents on your claim.
5. Take photos of the contents out in the trash pile as proof that you got rid of them.
6. Once everything is out, start the drying process. Call in a professional company to get an estimate and then send to insurance for approval. They will need to put in fans and dehumidifiers AND apply mold killing/preventing agents to the exposed remaining surfaces within walls.
7. Once estimate is approved, get them out to start their work.
8. Find a contractor(s) to get repair estimates and then get in touch with insurance again for approval before starting repairs.
9. When producing your contents list, make sure to give the highest reasonable cost for each item. They will deduct depreciation from whatever you give them. Whatever they tell you, list the new cost value because they will ask for an age for each item. If you tell them your 6 year old fridge is only worth about $300 now due to age, they will deduct 6 years of depreciation from the $300. Its bullshite and they don't care.
10. Depending on how many claims there are made in an area will determine the fight that the insurance will put up. If only a few, they will nickel and dime everything. If they have many to deal with, the fight will be much less.
Crap! Now my blood pressure is all flared up again.
1. Call Insurance
2. Take timestamped photos in each room. Make sure to get all angle and show all furniture. Closets, batherooms, storage areas included.
3. Start removing all furniture, carpet/flooring, and sheetrock up to about at least a foot above the waterline. Leave a small section of sheetrock in each room, maybe a foot wide to prove the water level IN EACH ROOM.
4. Take photos of every single item that got wet. You can use this to make your list of contents on your claim.
5. Take photos of the contents out in the trash pile as proof that you got rid of them.
6. Once everything is out, start the drying process. Call in a professional company to get an estimate and then send to insurance for approval. They will need to put in fans and dehumidifiers AND apply mold killing/preventing agents to the exposed remaining surfaces within walls.
7. Once estimate is approved, get them out to start their work.
8. Find a contractor(s) to get repair estimates and then get in touch with insurance again for approval before starting repairs.
9. When producing your contents list, make sure to give the highest reasonable cost for each item. They will deduct depreciation from whatever you give them. Whatever they tell you, list the new cost value because they will ask for an age for each item. If you tell them your 6 year old fridge is only worth about $300 now due to age, they will deduct 6 years of depreciation from the $300. Its bullshite and they don't care.
10. Depending on how many claims there are made in an area will determine the fight that the insurance will put up. If only a few, they will nickel and dime everything. If they have many to deal with, the fight will be much less.
Crap! Now my blood pressure is all flared up again.
Posted on 5/15/20 at 8:02 am to Ponchy Tiger
definitely get him to ask his cousin to seek out advice from an anonymous message board
oh good!!
oh good!!
Posted on 5/15/20 at 8:11 am to Ponchy Tiger
Some good advice in here for sure.
When you start pulling out carpets and walls, keep some samples of the wet stuff to show the adjuster. A few samples per room.
Photo and video everything before you start removing, and while the water is still there, if you can.
If you start cutting into walls, you want to basically get above the water line. You don't need to, and I would not, rip out to 4 feet at this time. Water will wick inside the sheetrock up above the water line, so you want to keep cutting until it's dry, and then stop.
If anything with a cord got wet, don't plug it back in.
When you start pulling out carpets and walls, keep some samples of the wet stuff to show the adjuster. A few samples per room.
Photo and video everything before you start removing, and while the water is still there, if you can.
If you start cutting into walls, you want to basically get above the water line. You don't need to, and I would not, rip out to 4 feet at this time. Water will wick inside the sheetrock up above the water line, so you want to keep cutting until it's dry, and then stop.
If anything with a cord got wet, don't plug it back in.
Posted on 5/15/20 at 8:14 am to Ponchy Tiger
Crack a cold one & put in a chaw
Posted on 5/15/20 at 8:16 am to TaderSalad
quote:
Didn't some people get screwed in 2016 flood for doing this before adjuster could make it out?
They'll get screwed anyway.
Posted on 5/15/20 at 8:17 am to Ponchy Tiger
quote:
My cousin got 4-5 inches in his entire house
Big deal. I've given my wife 4-5 inches in the entire house too. You don't see me coming to brag about it.
Posted on 5/15/20 at 8:20 am to 225Tyga
quote:
225Tyga
STFU
Posted on 5/15/20 at 8:29 am to avondale88
I imagine those 3 floods were all prior to the draining of spanish lake. The 2016 flood didnt come up bayou fountain because it all spilled into spanish lake
Posted on 5/15/20 at 8:40 am to Boudreaux35
quote:
Depending on how many claims there are made in an area will determine the fight that the insurance will put up.
If it’s flood insurance it’s through the NFIP, aka the government.
Posted on 5/15/20 at 8:44 am to East Coast Band
quote:
Immediately get SErvpro or similar out there getting the water out
This
And they will usually deal with all the insurance bullshite themselves
This post was edited on 5/15/20 at 8:45 am
Posted on 5/15/20 at 8:46 am to kengel2
quote:
kengel2
careful big guy
Posted on 5/15/20 at 8:50 am to 225Tyga
quote:
careful big guy
Or what?
Posted on 5/15/20 at 8:52 am to Ponchy Tiger
As far as contents/personal property, be a bit wary of the resto companies and trying to clean the products. Not sure on their total coverage for contents and the extent of the loss. but resto companies bill a fortune for contents restos compared to just purchasing a new item. The cleaning fees also goes against personal prop coverage limits.
Its really a tricky situation in all, the resto companies both structure and contents overcharge a lot in comparison to a general contractor but they also have more experience with remediation
Its really a tricky situation in all, the resto companies both structure and contents overcharge a lot in comparison to a general contractor but they also have more experience with remediation
Posted on 5/15/20 at 8:55 am to Boudreaux35
quote:
9. When producing your contents list, make sure to give the highest reasonable cost for each item. They will deduct depreciation from whatever you give them. Whatever they tell you, list the new cost value because they will ask for an age for each item. If you tell them your 6 year old fridge is only worth about $300 now due to age, they will deduct 6 years of depreciation from the $300. Its bullshite and they don't care.
the last part really made me lol. quote:
10. Depending on how many claims there are made in an area will determine the fight that the insurance will put up. If only a few, they will nickel and dime everything. If they have many to deal with, the fight will be much less.
OP dont listen to everyone in this thread...
Posted on 5/15/20 at 8:56 am to Ponchy Tiger
Turn off the sink.
Page 2 of 4
Popular
Back to top
Follow TigerDroppings for LSU Football News