Jerry 🦙💝🦙Apparently the drain for my AC unit at the beach got clogged and was dumping condensate under the floor for a while. I have been a home owner for 35 years and this is going to be my first insurance claim. And the crappy part is they the insurance company will probably not renew me as a result 💩
DROP\ TABLE Hacker of Earthsea@jerry lol why? Insurance companies @@
@ChickenPwny for making a claim.
Their whole existence is claims lol.
I Thought I Saw A 2 
@ChickenPwny @jerry no, their whole existence is collecting premiums
Æ Sea F.@ithoughtisawa2 @ChickenPwny @jerry During those 35 years Jerry has paid a hundred or two thosand, likely more, in premiums. They could rebuild his entire house from scratch for that price.
Viss
kabutor
spiegelmama@jerry Been there. I hope they have the grace to at least fulfill this claim before they dump you. 😞
Dave Wilburn @jerry at least for my relatively modern central AC unit, the inside unit's condensate drainage has an inspectable transparent p-trap along with an opening to manually snake it and a float switch that trips a breaker if it clogs. Might be worth looking into retrofitting your unit with one.
@DaveMWilburn the floor drain into the sewer is what was blocked. The water wasn’t backing up in the drain pipe out of the furnace. So it was basically just getting dumped onto the floor.
Great.
JustaJason 🦜@jerry well that's just awful.
☠ rridley ⚡@jerry mini split? central units should have a saf-t-stop to prevent that.
that said iirc your beach house is in the panhandle? so yeah you're gonna get dropped and left with like the last 2 companies left in the state
Alan Miller 
🇺🇦@fencepost @jerry Yeah neither do I. We got lucky when we bought this place but they just keep building all these HUGE housing developments with like the lowest houses in the 400k range and it's like 4 feet from your neighbors house.
A 1.25 acre 1900sqft house sold for 625k near me. Took two months after listing. Zero trees, no garage (converted).
@fencepost @rridley I don’t know either. We got a 2.5% rate before the prices went nuts.
The good news is that insurance has been getting better. 2 years ago, there were maybe 2 companies that were signing new policies. Now there are a bunch. It always depends on what happens during hurricane season though. So if we have another quiet year, we should be ok, but if there are any significant landfalls in FL, we are hosed.
@jerry @rridley you're also insulated from part of it the same way I am - you presumably have a condo owners policy that's mostly "walls in" while the association has to maintain structure insurance. I'd have to dig through budgets to see how much the per-unit monthly insurance cost is for my association.
Billy O'Neal@jerry All insurance is a scam part eleventy billion
Jonathan@jerry Unless you posted one of these, I'd say it's on you!
Konstantine@jerry Ugh. That sucks.
I had issues with the drain clogging when I lived in FL causing A/C to stop working. I started pouring a cup or two of white vinegar down the drain every time I changed the filters, followed by some hot water shortly after, and the problem seemed to stop.
@Konstantine yeah, I have to do that here at home with my condensate pumps/drain lines. I did not expect a whole floor drain to get clogged like that though.
Michael Vilain@jerry Or it could be worse. You could get quotes for repairs and the adjuster could claim you're taking to long and should just hire another contractor. And that the claim doesn't depend on fixing the damaged floor joists because "reasons". Then they close your claim. And you can either sue in small claims for their maxium or spend $$$$ for a jury trial. This has most likely State Farm's playbook in California. Small amounts that add up with aggregated across the 1M or victims of fire in L.A. and elsewhere.
My neighbor is already in the "will not renew" category due to fire+water damage in my unit that migrated to his.
Fun times.
@mvilain yikes! So far, this is going pretty well. The remediation company will do their thing on Friday once the tenants check out from their stay (they don’t want to cut their stay short or move to a different condo). The insurance seems like they’ll be covering it all - I won’t get a better sense until the adjuster visits in Friday. But it sounds like it will be in the $20k-$30k range
@jerry That's upsetting but not "I have to live somewhere else for 9 months" kinda bad. One of the neighbors affected by the fire/water damage had previous issues with tenants damaging his unit and after the 3rd claim, the insurance company dropped him. They also left the CA market entirely. Now he's struggling to find liability insurance. At least you're still covered.
Thomas Reed@jerry The one time I ever filed a claim, the result was that they jacked up my premiums. After less than a year, I’d have been better off just paying the cost of repairs out of pocket.
varx/tech
Justin Derrick@jerry If the blockage is in a drain that serves other units in your building, it may be the condominium's responsibility. Check your condo paperwork about where the demarcation point is for plumbing issues.