Tuesday, July 24, 2018

Home Stuff

I'm sending this out to friends who  are home owners. Rules vary by state.  I'm just passing along my experience.

As you may know I've been dealing with a water leak in my house.  I came home to find my bathroom flooded.  This was a hot water leak from a broken butterfly valve. The plumber was the least of my worries.  I had to have a restoration company bring out special fans to dry things out. Some of the sheet rock and my vanity were torn out. It's simply amazing how much damage a little water can do. And hot water to mold spores is like an all you can eat buffet.  Even though it was a minor mold situation it still had to be sealed with anti-microbial stuff.  And now a contractor will put new flooring and replace the vanity and the torn out sheet rock. Some people can do these kind of repairs themselves.  I am not one of them.

What I discovered was that insurers have been quietly dropping mold coverage. You may not have any and just assumed you did. And some policies have high deductibles for water damage.  I am strongly urging people to check their insurance coverage--esp about mold. Getting rid of it is quire expensive and not something people think about until it happens.  I never made a claim on my condo in Colorado, which I owned for 9 years. I've been in Arizona for two years and have just made my first claim ever for this water leak.  

I urge people to check their coverage and to carry homeowners coverage.  A neighbor of mine had a tree come down in a storm. It destroyed her roof.  Don't know the tab on that one.  . Stuff happens out of the blue and it's not just fires that endanger a home. 

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