SeabeeMan
09-05-2014, 07:21 PM
In the crazy storms we had, I found a slow drip coming out the bottom of my breaker panel. I traced it back and, long story short, there has been water coming in through the sill of the sliding glass door that goes out to our elevated deck for quite some time. About a foot circle of rot straight through the subfloor with the help of some carpenter ants, but no sign of any recent activity of these guys.
Definitely needs that chunk of subfloor replaced, and we have had carpet on our list for a while so that isn't a big deal. The problem is that the Marvin door, which is out of warranty, may have a rotted frame at that point. I have a call in to my WEA Homeowners insurance and they are going to get an adjuster out to help determine if it is covered. The agent said in his last message that it is going to come down to whether or not this was a single incident of water entrance or a prolonged leak that caused damage over the time. Obviously this is the later.
I've read my policy and am less clear than before I started as to which way is covered. Is a single event not covered as that would be tantamount to a flood and I'm good to go, or is a long-term leak not covered as that is something along the lines of poor installation/maintenance? I can fix this myself if it isn't covered and it won't be the end of the world, but it would be nice to have some idea of which way this might go before Monday.
Definitely needs that chunk of subfloor replaced, and we have had carpet on our list for a while so that isn't a big deal. The problem is that the Marvin door, which is out of warranty, may have a rotted frame at that point. I have a call in to my WEA Homeowners insurance and they are going to get an adjuster out to help determine if it is covered. The agent said in his last message that it is going to come down to whether or not this was a single incident of water entrance or a prolonged leak that caused damage over the time. Obviously this is the later.
I've read my policy and am less clear than before I started as to which way is covered. Is a single event not covered as that would be tantamount to a flood and I'm good to go, or is a long-term leak not covered as that is something along the lines of poor installation/maintenance? I can fix this myself if it isn't covered and it won't be the end of the world, but it would be nice to have some idea of which way this might go before Monday.