Monday, March 18, 2019

The Kitchen and Sundry, Part 5

In early January, the insurance agent was called and consulted about whether the kitchen was claimworthy. She assured us it was definitely worth our time and effort to make a claim. She said our policy did cover water events such as these and that we should file the claim. I was pleasantly surprised. I really thought it would not be covered, but if the agent gives you the green light, you believe her, right? Ha!

We were now on the insurance company's timeline, but I was not too concerned. A professional could pull up and reinstall a kitchen floor in a day. It wouldn't be the week-long or more timeline of DYI so we didn't need move out for a week. Those two perfectly scheduled weeks in January came and went in the midst of all follows. 

The insurance adjuster arrived. We showed him the extent of the damage on the kitchen floor, behind the fridge, and under the house. After he left, Dave immediately said that he had a bad feeling. The adjuster said the rotted boards under the fridge indicated the problem had been going on awhile. He, the insurance adjustor, didn't think the policy would cover either rot or a problem that had been allowed to fester like this. 

We were dumbfounded. There was a pinhole leak behind the fridge that never pooled any water. How were we to know the flooring was slowly rotting under the fridge? ** We were just supposed to know. Because. 

Sure enough, the letter came telling us the insurance did not, in fact, cover the damage. In the denial letter was a copy of the exact verbiage in the policy that excluded any water damage from seepage or appliances. It was exactly what I thought I remembered reading. I was angry that our insurance agent was too incompetent to advise us properly, and we wasted several weeks and lost our preferred schedule. Beyond that, I didn't worry too much about it. I was cranky and decided we needed to change insurance companies, but there was no great hurry. We still had to replace the floor. I had expected to have to pay for it all in the first place. It was only the timing that was off now. We would have to figure out when we could work the floor replacement into our schedule.

Then the other shoe dropped. 

**Another friendly reminder to pull your fridge out to check for leaks. Do it. Really.

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