Found some leaks/ INS. question? - Page 2 - Pensacola Fishing Forum

Go Back   Pensacola Fishing Forum > General Discussion > Off Topic

Reply
 
Thread Tools Search this Thread Display Modes
Old 06-10-2012, 07:31 PM   #11
Senior Member
Sailfish
 
Join Date: Oct 2007
Posts: 1,402
Default

Been extracting water out of a business all day long. Has not been fun. Business has no flood insurance. Out of pocket expense. I would say check your policies.
__________________
http://gotdirtycarpettile.impress.ly/

Accutech Carpet And Tile Cleaning

850-529-1335
kelly1 is offline   Reply With Quote Quick reply to this message
 

Sponsored Links
Advertisement
 
Old 06-10-2012, 10:57 PM   #12
Senior Member
Trigger
 
Join Date: Oct 2007
Posts: 219
Default

Is it considered a flood if the roof leaks? I could understand if the water came in from the street or from the gulf, but from your roof seems like it shouldn't be considered flood damage. I am in the same situation deeplines is in. I have been through my policy a couple of times now and I cannot find it in black and white. I guess I will have to wait for tomorrow.
kristopherrimes is offline   Reply With Quote Quick reply to this message
Old 06-11-2012, 08:01 AM   #13
Senior Member
Grouper
 
Join Date: May 2012
Location: On the move
Posts: 1,184
Default

There needs to be a breach to trigger coverage.
Maintenance issues and wind driven rain are excluded. Unless you have a wind driven rain rider.
Hail creates a breach by fracturing the fiberglas matt.
Creased shingles torn shingles missing shingles are covered. As well as Adhesion transfer. We have won on debrie under shingles in the mastic. That ones a fight for sure!
Cracked from dry rot or squirrel eaten boots or jacks or skylights are exclude.
Note I have seen a lot of adjusters pay for things that were excluded. And roofs that had no damage that was covered
Note there is something called a brittle test to determin if the roof is repairable. If you try to bend the shingle 45 degrees from the roof ( as needed to replace a single shingle) and it creases the roof is non repairable. Ask your adjuster to proform a brittle test after he agrees to a repair.
Post some pictures of your roof and some around where you think it is leaking.
The answer is no a flood is rising water.
What you have is a wind claim.
Let your carrier tell you a date of loss. You tell them we have had a lot of storms lately.
Good luck and be safe.

Last edited by Jet fishin; 06-11-2012 at 08:10 AM.
Jet fishin is offline   Reply With Quote Quick reply to this message
Reply


Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Pensacola Fishing Forum forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:
How Did You Find Us?
Tell us how you heard about Pensacola Fishing Forum.

Log-in



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




All times are GMT -4. The time now is 08:36 PM.


Powered by vBulletin® Version 3.8.8
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
Search Engine Optimization by vBSEO 3.6.0 RC 2
vBulletin Security provided by vBSecurity v2.2.2 (Pro) - vBulletin Mods & Addons Copyright © 2019 DragonByte Technologies Ltd.