questions → apartment flooded from kitchen sink backup while…

vote-for32vote-against +32 -0

Apartment flooded from kitchen sink backup while I wasn't home...

My apartment kitchen flooded today... and aside from not being happy about it I'm not sure who I should hold responsible for replacing damaged items. I expect the management to replace the cabinets and flooring/carpeting... but should I file an insurance claim too?

That aside, what's the worst "coming home to your apartment only to find..." story that you have?

by jgskeate
asked 4 months ago

5 Answers answer

Sort By:

vote-for6vote-against

If you have renter's insurance - file a claim through your insurance company. They will help you with who is responsible for what. Other than that, I'm not sure what your recourse will be, it depends on local law.

BTW - that really, really sucks.

thumperchick
4 months ago

vote-for16vote-against

Your apartment building management is responsible for the damage that is done to the unit, however, it is pretty unlikely they would pay for or be legally responsible for your contents. Assuming you have renter's insurance and the damage to your contents is significantly higher than your deductible, that's what insurance is for.

As an insurance agent, I see tons of water damage type claims. Most people don't realize that it is probably the most common type of claim there is (except maybe theft). Water can do a surprising amount of damage in a very short time.

wnyx585am
4 months ago

vote-for8vote-against

What @wnyx585am wrote is perfect... don't file a claim (if you have insurance) unless the damage is significantly more than your deductable.

Note however that if it is a condo, you (or your insurance) may very well be responsible for repairing the damage within your unit (you should ask them to fix it at their expense, but if they say no, you may have to eat it or sue for it and risk having to eat the legal costs as well as the repairs). If it is a rental or co-op, the building should be responsible for all of the repairs, but not your stuff.

BTW- I know how much it can suck to come home to a flood. Mine was over three years ago and only last week I discovered two more books that I hadn't realized got wet... One cost me $45 in St John seven years ago and will cost over $362 to replace, the other was a signed gift that will cost $88 to replace without a signature. And a month ago I learned that the first edition Carrie I had might have been worth thousands...

baqui63
4 months ago

vote-for4vote-against

I just keep picturing Fight Club -- kaboom!!

mellielou
4 months ago

vote-for4vote-against

Last time I had to make an insurance claim, I called twice in one day. 1) I was driving my Truck in snow on a dirt road and my 4WD cut out. I took out a mailbox, a speed limit sign, and did $2500 worth of damage to my truck. 2) We left a candle lit after dinner, it set the center piece on fire, burnt our 30+ year old dinning room table, smoke damage throughout the whole house, and damaged various items in the same room. Luckily, we caught it early and put it out fast. And no one was hurt in either incident. We haven't had to make a claim before or after that day. But we were "in good hands" with Allstate!

jsoko
4 months ago

Stats

Asked
4 months ago
Asked By
jgskeate
Answered
5 times
Viewed
425 times
Voted Against
0 times
Voted For
32 times

Similar Questions

Related Deals

Hey, log in or sign up first!

Whatever it is you're trying to do can ONLY be done by registered, logged-in Deals.Woot members. Why? Because they're better people than you. Don't worry: you can easily improve yourself by logging into your Woot account or signing up for a new one.

Sorry

This is only for people who have bought woots

We restrict voting to users who have purchased something from one of the other Woot stores. It's not just because we want your money (which we do) - it's the best way to be sure all the votes are coming from real people and not spam-bots or phony accounts. The best way we can think of, anyway. For now.

You can always get voting rights by buying something from one of Woot's other sites:

Purchases through Deals.Woot don't count, because in that case you're not buying anything from us. And we don't have your account information for those purchases.

If you think you've bought something from Woot before and still can't vote, make sure you're logged in with the same account you used to buy from us.

Geez, why so negative?

You have to vote up more before you can vote down.

Don't get us wrong. Negativity has its place. And downvotes are just as essential as upvotes when it comes to making Deals.Woot a useful place to find deals.

But when your votes lean so heavily toward the dark side, we have to wonder. Go vote up a few things. Accentuate the positive for a little while. It'll do you some good, and it'll do the site some good, too. Then you can get back to dealing out the smackdowns, OK?

Too late, we all heard you!

Hmm... you're wanting to take your vote back?

Well, that's a bit tricky. See, we do a lot of stuff with your vote, using it to work out the popularity of what you voted for, compare that to all the other things voted on, tally up our leaderboard, work out your reputation. Someday we'll do a little cartoon showing just how hard your vote is working.

Anyway, taking votes back messes all that up, so we give you five minutes, in case you just mis-clicked. After that we've got to say no take-backs. Luckily, votes are free, so feel free to throw them around left and right wherever you see fit.