Jerry 🦙💝🦙Jun 15
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 💩
Show threadMichael VilainJun 15

@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.

Show threadJerry 🦙💝🦙Jun 16
@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
Show threadMichael Vilain
@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.
Jun 16 at 4:21amWeb