The insurance adjuster came out on Tuesday.  I had no idea what to expect, since we've never filed any kind of claim before.  She took a look at the damaged part of the ceiling we had exposed, noticed the laminate flooring was warped, took a couple of pictures, then told us the ceiling, laminate, tile floor, underlayment, and subfloor should all be replaced due to "blackwater contamination". 

I wanted to hug her.

She said she'd send us a letter soon.  She also explained to us that they have their own estimation process, so basically she'll just mail us a check.  If our repairs cost over the estimated amount or we find additional damage, we call her, she comes out to do a re-inspection, and we go from there.  She said if we do all the work ourselves for less than the estimate, we keep the change.  After 1 year from the date of the claim, if we haven't completed the repairs, we waive our right to any additional money for any additional damage found.  Sounds simple enough.

All-in-all, I am very happy with the process so far.  The adjuster was friendly, loved old houses, and complimented all the work we had done.  She was also understanding regarding the old damage; I'm sure she could tell it didn't happen just from that one incident, but because the water was contaminated and we had no way of getting to certain areas to dry them/disinfect, it was obvious to her that we had to get to the covered areas to at least disinfect. 

So...  We're tentatively planning a bathroom remodel for the spring.  Since the ceramic and underlayment should all come up, it would be stupid not to do the whole remodel at that point.  I'd love to do it now, but with a baby due in 6 weeks or less, I'm thinking we should probably wait...  I'd go a little nuts if there was anything else torn up and unusable right now.  We've already had to put our floor refinishing plans on hold because of all the unexpected vet bills.  We had a target amount for our savings account to be at when I started my time off work, and the loss of $800 and knowing we have incoming medical bills from Shayne's surgery kind of threw a wrench in things.  Oh well.  The floors will still be there in the spring.  And our room and the nursery aren't in dire need of refinishing anyways, so it's really no big deal.

No comments: