MySwag.org The Off-road Camper Trailer Forum
General => General Discussion => Topic started by: Rodt on August 15, 2014, 09:37:04 PM
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Just had a plumber here this afternoon who has advised me that I more than likely have a problem with my shower waterproofing causing water to get behind the wall and start to cause damage.
Crap I thought, no worries says the plumber as insurance will cover the repair to the damage and you should be good for the damage to the tiles as we won't be able to get to repair the damage without wrecking the tiles so all covered. Great I thought
Rang insurance company and started asking questions and it looks like no they don't cover the damage to get to the repair area. I said do you want me to leave the issue until tiles start to fall off meaning damaged also. No they say that is not acceptable.
Why the bloody hell do you pay insurance for if all they do is rip you off at every opportunity. >:(
Doesn't seem to matter that you have multiple policies and have been a holder for nearly 20 years. Nice girl on the phone did say that once all completed if I am not happy with what was done then there are processes in place to follow. I advised that the one policy I will probably follow is cancel and go somewhere else.
Rant over
Sorry
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Grab a full copy of the policy.
Repair has to be done if it means going through another part to do the repair, then they will have to fix that as well. Do not accept that answer. Ring them again and if same as to speak to the Manager instead......
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Sorry to hear of your problem:(.
In our case, we had a leaking supply pipe. It was in the slab, below an inside wall, supplying the hand basin in an internal en-suite.
The insurer paid for all restitution work after the repairs, and for all damage done by the leak. What none of them will pay for is repairing the actual damaged part or parts. We had to pay for the replacement of the burst pipe (normal wear and tear and age caused the damage to the water pipe). They paid for locating the pipe (expensive - under the slab ... ), and repairing all the plaster and paintwork that had to be ripped off the walls to replace the pipe with another one. Their costs were of the order of $2,500. Ours were about the same.
However, we took the opportunity to install a new instant HWS supplying this bathroom, but also had a couple of taps for the gas and water installed at the same time that allows either of the two HWS units to supply the entire house and shed if necessary. As our house is quite long, it used to take forever for the hot water to reach our en-suite, and we wasted a lot of water doing so. I cannot wash my hands under cold water when it's cold - I have Raynaud's disease (http://en.wikipedia.org/wiki/Raynaud's_disease), so cold water is a no-no for me. So it did benefit us considerably in the long term, just cost quite a bit for the new HWS (around $1300, IIRC).
No matter which way you slice it, paying out $2,500 is a lot better than paying out $5,000! Had we not been in residence, the resulting flood (covered by the insurer) could easily have caused tens of thousands of dollars damage, and huge problems for us, if no further actual expense.
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From what I am told, it is a similar story if you have a fire at you place that doesn't completely destroy the building and or contents. Insurance will pay for the fire damage, but not water damage caused by the firies trying to extinguish the blaze.
long (and boring) story short, this was explained to me one afternoon when I called the insurance company on a different matter.
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Thanks Guys,
The additional issue that I will have also is that there is no way I am going to be able to match the tiles either which will mean that I will need to redo the whole bathroom. Not even expecting them to pay for all of that but at least some aspect as they will have to get into two walls to inspect and repair. I would think it is in their best interests if I get the area done properly then there won't be any issues in the future which means no more claims.
Haven't admitted defeat yet but it looks like I have an interesting next few weeks
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yep preventative maintenance needs to be up to scratch had my ceiling repaired once under insurance but the cracked aged tiles was my problem if you happened to be changing a light bulb in your bathroom with a hammer and you fell off the ladder and some how the hammer damaged all the tiles then the tiles would have also been covered
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I know this doesn't help but look at insurance as simply a way to cover myself if I have a major issue - tree falls on house, major fire, truck crashes into it etc.
Everything else is maintenance - expensive maintenance but maintenance.
But we have friends that seem to claim just about every year for something. Glass door faded. Fridge turned off and they lost a leg of lamb. Possums violated their cat.
On a positive note if you get no where is the bathroom old enough or out of date enough to do a full reno? I only ever do showers over baths when i do a reno. They no leak.....
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On a positive note if you get no where is the bathroom old enough or out of date enough to do a full reno? I only ever do showers over baths when i do a reno. They no leak.....
G'Day Dazzler,
The bathroom is about 15 years old and the tiles etc are basically a throw back from the 80s and 90s so it probably is due for a reno. We wanted to do the kitchen first and then down the track attack the bathroom so will now have to reverse the plan. The shower will definitely be over the bath this time and this will have the added benefit of giving us a bit more room for storage. Always a positive slant to everything and I am lucky enough to be in a good enough financial position to handle it (just). Don't want anything else to go wrong but or it may be a different story. Will also mean that I have to take time off work and take the kids away somewhere for a week. Time to dust the ct off
Cheers
Rod
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Gidday Rod
Your insurer is obliged to replace what's there with something reasonably equivalent.
In one case of ours, the loss adjuster said to me "You have replaced that sheeting with a far better, more expensive wall covering". They were 8" Johnson white tiles. I asked him what he thought they cost. He replied about $40/m^2. I said that's right. I then asked him what he thought the previous sheeting cost (it was MarbleTone, or something like that). He said he didn't know, but that it was " ... a cheap form of wall covering". I then pointed out to him that to replace the sheeting was $80-100/m^2, just before I chucked him off the premises and rang my insurer to bitch my head off ... It was a VERY robust conversation!
My insurer then paid up the entire amount like a lamb, with no further questions asked, and no further incompetent loss adjusters visiting.
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Just received a reminder from my house insurance to be renewed.
Wow, they have increased it by $185.
So I went online and requested quotes from other companies. They are all over $1100 anually.
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Just received a reminder from my house insurance to be renewed.
Wow, they have increased it by $185.
So I went online and requested quotes from other companies. They are all over $1100 anually.
There was a story in The Sutho Shire Leader a while back where peoples insurance had gone up 400% as their land was now considered "a floodplain.. even though nearly all of it is all sand based, and water just disappears instantly and has not flooded since white fella landed... they were told to just suck it up, or cancel their insurance, since all insurance companies go off the same zoning recommendations or similar going from mamory.
Has your land been rezoned a 'flood' area?
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Nah, by seeing that number I am lucky it is only 23% increase.
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Flame suit on, but I don’t believe insurance companies should cover items which I class as normal wear and tear. At some stage all of our showers will have water problems, all our roof gutters will get rust holes and all out hot water systems will break down etc. As mentioned above it’s all wear and tear and [art of owning a house.
If insurance covered all these types of events, then all our premiums will increase by 1000%.
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Hi,
My (very limited) experience is that insurance will only cover damage after 'an event' which seems to have to be definable.
i.e. the ladder fell on it, or last night's windstorm blew the glass in and rain damaged the carpet.
They didn't cover the new lounge when one small rug rat tested out the scissors on it, as he was a family member, a neighbours kid's damage would have been covered.
The devil is in the small print it seems.
cheers
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Just had a plumber here this afternoon who has advised me that I more than likely have a problem with my shower waterproofing causing water to get behind the wall and start to cause damage.
Crap I thought, no worries says the plumber as insurance will cover the repair to the damage and you should be good for the damage to the tiles as we won't be able to get to repair the damage without wrecking the tiles so all covered. Great I thought
Rang insurance company and started asking questions and it looks like no they don't cover the damage to get to the repair area. I said do you want me to leave the issue until tiles start to fall off meaning damaged also. No they say that is not acceptable.
Why the bloody hell do you pay insurance for if all they do is rip you off at every opportunity. >:(
Doesn't seem to matter that you have multiple policies and have been a holder for nearly 20 years. Nice girl on the phone did say that once all completed if I am not happy with what was done then there are processes in place to follow. I advised that the one policy I will probably follow is cancel and go somewhere else.
Rant over
Sorry
Where are you?
This is the line of business I'm in and would happily conduct investigations regarding the leak for free with little or no damage for a swagger for free and take care of it for you.sometimes it can be as little as a re grout, re silicone but I suspect it's worse
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That's the spirit. :cup:
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this is why we come here.
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You have probably covered this but can you get access to the suspected leak from the other side of the wall? We had friends rip out the shower screen and tiles when access from the next room through plaster only would have worked.
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You have probably covered this but can you get access to the suspected leak from the other side of the wall? We had friends rip out the shower screen and tiles when access from the next room through plaster only would have worked.
Yea can be an option if caught early enough.
Generaly there is only 3 main reasons a shower leaks.
1. Through penitrations and this is by far the most common.
2. Through a badly sealed job initial around the shower base or screen.
3 leaking through the the taps, rose or waste.
Only other sinarios I've seen is cracked bases or product failure
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Doing work for insurance companies in most cases they will pay if damage is caused by a burst pipe or a leaking breach in the wall anything else in regards to your shower comes down to wear and tear,poor installation or poor maintenance. In a lot of cases you can repair leaking water pipes without removing tiles by accessing through adjoining wall.
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Just received a reminder from my house insurance to be renewed.
Wow, they have increased it by $185.
So I went online and requested quotes from other companies. They are all over $1100 anually.
Wish mine only went up that much , last renewal went up $1600. I have used their online quote app and put addresses from other areas in and put in same info as my place and they come up $4500 cheaper then mine. ???
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G'Day Guys,
dales133 I am located in Gunnedah (NW NSW) so depending on where you are I imagine.
terravista yes mate we can get to the pipework through another wall but all tests (and as dales133 has said)are showing that it is not a pipe leak but a problem in the waterproofing / sealing unfortunately and if so then it looks like it is a tile removal job.
The problem I have is that as tiles go out of production etc you can't get replacements which means i have to redo the entire room. Quotes i have received though caused me to consider a career change. Once recovered I started to think about just replacing the existing surrounds with a contained shower cubicle (not sure i have called it the right thing). Managing at the moment as the problem seems to only occur when the girl's of the house have extended showers so have controlled that a bit and we are keeping an eye on the damage. Have to pull my finger out and get it sorted one way or the other :'(
Rod
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Wish mine only went up that much , last renewal went up $1600. I have used their online quote app and put addresses from other areas in and put in same info as my place and they come up $4500 cheaper then mine. ???
Renewals are always more than new clients... never accept a renewal.. they are just for lazy ****s who cant be bothered making a few phone calls.
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Ahhhh I'm in Victoria sorry!
But if I can offer any advice feel free to ask
How much were you quoted? You can pm me if you like.
I'll let you know what I think of the price