| Posted By |
Message |
Ophelia
she's baaccckkkk ;)
Member since 5/06 23378 total posts
Name:
remember, when Gulliver traveled....
|
who knew it could happen, but HOMEOWNER INSURANCE RAVE
there really is some truth to the saying, when it rains, it pours.
3 weeks ago I gave birth to my son (some of you may know, others of you may avoid the breeding boards like the plague   )
on dr's orders, i wasn't allowed up to my house after 39 weeks so dh and I hunkered down in brooklyn.
about a week after Luce (Lucian Paolo for avoiders  )was born, we decided to drive up to our house and introduce him to his home.
what we introduced him to was a flooded basement.    NO HEAT. NO WATER. NOTHING. just about 12 inches of water thoroughly effing things up down there.
apparently, our sump pump failed and stopped pumping water out.
we called our heating contractor and they came to evaluate. he gave us virtually NO HOPE that it could be covered (said he spoke to someone at our ins co and they said we didn't have flood insurance so it wasn't a covered loss)
Just to make sure, I decided to call. and VIOLA. not just coverage...but AWESOME coverage.
STATE FARM rocks.
not only are the covering the work of our heating/water system contractor, they are also covering the water damage people (Servepro...actually, STate Farm contacted THEM for us) they are also covering the $$ we put out for the utility pumps we bought to suck the water out, they offered to pay for DH"S LABOR while he was sucking the water our, AND they will even pay for any increase in our Electric BIll if Servepro has to use blowers to dry out anything.
we went from having to pay THOUSANDS out of pocket to merely having to cover our deductible.
I am not sure in the grand scheme if State Farm is a more expensive insurance company or what...but I'll tell you something, I have never been happier after getting off the phone with an insurance company of ANY kind.
For those looking for homeowners, really give them a look see. I am more than pleased by the swift and expedient service and the wonderful protection and cushion they have provided my family.
THANK YOU STATE FARM. THANK YOU SO MUCH!!!!! 
|
Posted 11/10/09 12:22 PM  |
| |
|
Long Island Weddings
Long Island's Largest Bridal Resource | Prudential Douglas Elliman Real Estate |
MeeshMosh
last month on leave!
Member since 6/08 4551 total posts
Name:
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
OH Yeah! we have state farm too & we love them!
|
| Posted 11/10/09 12:25 PM |
| |
|
mandasue
LIF Adolescent
Member since 3/09 772 total posts
Name:
Amanda
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
OMG!!!
1st-congrats on the little one!!!!
2nd- so sorry about the water issue......
and 3rd-thank goodness you got the problem taken care of so well
ps we have state farm too
|
| Posted 11/10/09 12:36 PM |
| |
|
|
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
Congrats and welcome to little Lucian (he's beautiful - I just took a peek on the Parenting board)!! We also had an awesome experience with State Farm with major water damage. Glad it worked out!
|
| Posted 11/10/09 12:48 PM |
| |
|
Newly1
I love my baby boy!
Member since 6/08 2804 total posts
Name:
H
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
So glad to hear everything worked out! DH and I would have loved to go with state farm but they weren't writing any more policies in Nassau. Hopefully my insurance will treat me just as well! (we have Progessive)
|
| Posted 11/10/09 12:56 PM |
| |
|
Otherme
Square head cutie pants
Member since 3/06 6899 total posts
Name:
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
Very good to know! We also have state farm but thankfully haven't had any issues yet where we've needed them.
and congrats on the little one! there are those of us that don't go on the parenting boards yet so aren't in the loop on these things 
|
| Posted 11/10/09 12:56 PM |
| |
|
sunnyflies
LIF Adult
Member since 9/09 1757 total posts
Name:
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
Allstate was awesome for us when a pipe burst doing major damage and flooding everything.
|
| Posted 11/10/09 1:41 PM |
| |
|
rkoenke
my little piggys
Member since 3/08 4315 total posts
Name:
rachel
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
congratulations on the baby! it's nice to have you back over here on this board!!
good luck with the baby and everything!!
|
| Posted 11/10/09 6:29 PM |
| |
|
itkocak
Member since 7/07 7639 total posts
Name:
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
Message edited 11/29/2011 2:00:38 PM.
|
| Posted 11/10/09 6:30 PM |
| |
|
jgl
Love my little boys!!!
Member since 8/07 7060 total posts
Name:
g
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
Posted by imthekevinofcindyandkevin
as soon as they hear the word flood they say nope not covered if you don't have flood insurance.
Link
I just saw something about this on the news. they were saying you have to say the correct words or else you may be denied (ie: never say flood, say water damage) so silly though
so glad you are getting it all taken care of!
|
| Posted 11/10/09 9:32 PM |
| |
|
MommaG
Yay Spring!
Member since 5/05 5133 total posts
Name:
Gloria
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
Usually if the water comes from inside the house (broken pipe, for example) it's considered water damage and it's covered. If the water comes from outside the house (heavy rain or rising flood waters, for example) then it's considered flood damage and not covered. I'm sure there are some exceptions but that's the general rule.
|
| Posted 11/10/09 9:33 PM |
| |
|
Shorty
.
Member since 5/05 30390 total posts
Name:
really
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
|
| Posted 11/10/09 11:22 PM |
| |
|
Faithx2
All good things in 2016!!
Member since 8/05 20181 total posts
Name:
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
That's great. I had water damage to my wood floors from my baseboard and put in a $2500 claim to Allstate--they dropped me and State Farm wouldn't pick me up because of the claim  I'm glad it worked in your favor--someof these companies are really horrendous!
|
| Posted 11/11/09 8:03 AM |
| |
|
HotAir
LIF Toddler
Member since 8/09 391 total posts
Name:
Lisa
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
Thanks for posting this! I'm glad to hear they were so good to you. I am currently shopping for homeowners insurance.
|
| Posted 11/11/09 8:11 AM |
| |
|
Jackie24
~We Did it~
Member since 7/06 6718 total posts
Name:
Jackie
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
Wow! What a terrible surprise with a nice happy ending!
|
| Posted 11/11/09 9:14 PM |
| |
|
annienyc
LIF Adult
Member since 10/06 1347 total posts
Name:
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
That is wonderful news!!! We have had state farm since we purchased our home in Nassau Cty - so happy to hear that they were there for you when you needed them most!!!
|
| Posted 11/11/09 9:32 PM |
| |
|
|
|
Re: who knew it could happen, but HOMEOWNER INSURANCE RAVE
we're going with State Farm!! my sister wouldnt have it any other way!
|
| Posted 11/11/09 10:49 PM |
| |
|
