andi9899
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Post by andi9899 on Sept 11, 2017 22:28:29 GMT -5
Power was restored here abut 1 hour ago. I've lived in FL all my life, so I've been through all sorts of weather, but nothing like this. Weather wise I was scared shi--less and I've been through rough, back to back weather with a 3 and 8 yr. old by my self. We're fine lots of limbs/debris down. I have a major tree that now needs to be removed and may have damage to my shed. Plus I'm noticed water stains on the ceiling in my bedroom. So now I need to figure out what I need to do with my home owners insurance. I've had the same ins. for 25 yrs and have never filed a claim, so I'm tagging andi9899 and Iggy aka IG for help. Anyone else that has info, please feel free to add your suggestions. Hope all is well with the others that are/have been in the path. I assume you have flood insurance as well? Is it just the roof, or do you have standing water? Do you have a sump pump?
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suesinfl
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Post by suesinfl on Sept 11, 2017 22:55:23 GMT -5
Power was restored here abut 1 hour ago. I've lived in FL all my life, so I've been through all sorts of weather, but nothing like this. Weather wise I was scared shi--less and I've been through rough, back to back weather with a 3 and 8 yr. old by my self. We're fine lots of limbs/debris down. I have a major tree that now needs to be removed and may have damage to my shed. Plus I'm noticed water stains on the ceiling in my bedroom. So now I need to figure out what I need to do with my home owners insurance. I've had the same ins. for 25 yrs and have never filed a claim, so I'm tagging andi9899 and Iggy aka IG for help. Anyone else that has info, please feel free to add your suggestions. Hope all is well with the others that are/have been in the path. I assume you have flood insurance as well? Is it just the roof, or do you have standing water? Do you have a sump pump? No flood ins., no standing water, just trees down and a leak in my BR.
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suesinfl
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Post by suesinfl on Sept 11, 2017 22:57:02 GMT -5
I should have also mention the loss of shingles.
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mmhmm
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Post by mmhmm on Sept 12, 2017 2:20:47 GMT -5
I should have also mention the loss of shingles. I had a leak in my roof in my former house and hail damage to the shingles. My regular insurance replaced the roof. It only cost me my normal deductable. Hope that's true for you!
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suesinfl
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Post by suesinfl on Sept 12, 2017 3:59:25 GMT -5
I should have also mention the loss of shingles. I had a leak in my roof in my former house and hail damage to the shingles. My regular insurance replaced the roof. It only cost me my normal deductable. Hope that's true for you! I hope that will be the same for me; I've been sick to my stomach thinking about the expense.
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Peace77
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Post by Peace77 on Sept 12, 2017 4:26:01 GMT -5
I should have also mention the loss of shingles. Just call your insurance company. They will explain what to do.
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Peace77
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Post by Peace77 on Sept 12, 2017 4:29:48 GMT -5
We are fine in NW Florida. Did not lose power though some did.
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Deleted
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Post by Deleted on Sept 12, 2017 7:49:44 GMT -5
I had a leak in my roof in my former house and hail damage to the shingles. My regular insurance replaced the roof. It only cost me my normal deductable. Hope that's true for you! I hope that will be the same for me; I've been sick to my stomach thinking about the expense. What kind of shape was your roof in pre-Irma? If it was already crappy and needing replacement insurance might not give you full replacement cost...at least that's what I was always told...but I had hail damage in 2010 and got the roof completely replaced for just the deductible (roof was 10 years old at the time). I was ecstatic because the original roof was shit. The shingles were installed in the winter and never fully sealed so I would be up there after every major wind storm patching the roof. Seven years now with the new one and zero problems.
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forwardwego
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Post by forwardwego on Sept 12, 2017 8:36:40 GMT -5
forwardwego, hasn't signed in either and she's in Florida. Thanks Jaguar! Here I am! and we are fine. Evacuated and staying here til Friday. Hope our house will have power restored by then. Next comes being patient and cleaning up. Sorry it took so long to check in. Love the WIR
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NastyWoman
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Post by NastyWoman on Sept 12, 2017 9:59:19 GMT -5
forwardwego , hasn't signed in either and she's in Florida. Thanks Jaguar! Here I am! and we are fine. Evacuated and staying here til Friday. Hope our house will have power restored by then. Next comes being patient and cleaning up. Sorry it took so long to check in. Love the WIR Rock you like a hurricane (~ Scorpions) Happy you are ok
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Iggy aka IG
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Post by Iggy aka IG on Sept 12, 2017 10:31:50 GMT -5
Power was restored here abut 1 hour ago. I've lived in FL all my life, so I've been through all sorts of weather, but nothing like this. Weather wise I was scared shi--less and I've been through rough, back to back weather with a 3 and 8 yr. old by my self. We're fine lots of limbs/debris down. I have a major tree that now needs to be removed and may have damage to my shed. Plus I'm noticed water stains on the ceiling in my bedroom. So now I need to figure out what I need to do with my home owners insurance. I've had the same ins. for 25 yrs and have never filed a claim, so I'm tagging andi9899 and Iggy aka IG for help. Anyone else that has info, please feel free to add your suggestions. Hope all is well with the others that are/have been in the path. I assume you have flood insurance as well? Is it just the roof, or do you have standing water? Do you have a sump pump? This. I cannot speak to other state's insurance policies, but here, generally speaking when water flows from outside into the home, there is no coverage on the homeowner policy. That would be a flood insurance situation. When it comes to water damage that IS covered, here are some past scenarios off the top of my head: When there is a leak in the swamp (evaporative) cooler line, a sudden break of a water pipe (NOT wear and tear), or if one of my subcontractors neglected to re-hook up a water line after they've done work in someone's home. ETA: As Peace77 says above, call your insurance company/agent. And luck to you.
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suesinfl
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Post by suesinfl on Sept 12, 2017 12:33:16 GMT -5
Hope you peeps don't mind ........but FML right now. Power came back on after 17 hrs., but now the water is off. First world problems. I'm thankful that damage wise we are fine, but the aftereffects are worse this time around.
Thanks ladies. finally talked to some one from the company. I'm ok just very stressed. I have been through many storms, weather related or not and I will march on, I'm just tired of being the only one that is dependable.
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Chocolate Lover
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Post by Chocolate Lover on Sept 12, 2017 14:06:19 GMT -5
I assume you have flood insurance as well? Is it just the roof, or do you have standing water? Do you have a sump pump? This. I cannot speak to other state's insurance policies, but here, generally speaking when water flows from outside into the home, there is no coverage on the homeowner policy. That would be a flood insurance situation. When it comes to water damage that IS covered, here are some past scenarios off the top of my head: When there is a leak in the swamp (evaporative) cooler line, a sudden break of a water pipe (NOT wear and tear), or if one of my subcontractors neglected to re-hook up a water line after they've done work in someone's home. ETA: As Peace77 says above, call your insurance company/agent. And luck to you. I am no insurance agent, but after our last major hurricane, I remember hearing "wind driven rain" and "flooding" being 2 different things. Water coming in from the bottom up was flooding IIRC, and wind driven rain coming in other areas was different. One being covered by regular insurance and one needing to be covered by flood insurance. Insurance is weird. That's all I recall since I didn't have any damage of either kind then. Not much help but there you go, that's what I know.
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Peace Of Mind
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Post by Peace Of Mind on Sept 12, 2017 15:33:38 GMT -5
We just got power and internet service a little while ago. Thank you for thinking of me, Sharon and Jaguar and those of you that PM'd me! This thing was similar to Charley and the full hurricane broke apart before we got the worst of it - thankfully. It sounded like angry dragons/monsters were outside the roaring and whistling was so bad at times. Pretty scary and I love storms. Just not the kind that can kill you. LOL! We did pretty darned good and the neighbors that we've seen or talked to had minor damage. Next door their screened patio blew in. Behind us had water come in underneath sliders/windows like we had when Charley hit. We've since put seals so that didn't happen again and we boarded ours. Catty corner had their Dining Room window smashed by flying debris and some lost trees and other vegetation. Our Bougainvillea is naked. Almost every single leaf was blown off but it's still there so we're not complaining. We've not been out to our property yet (dreading that as that area got hit harder) but a friend texted DH that The Beast is still there and standing. Yay! Our county had tons of flooding and our pond got really full but we have flood ins. so we didn't get flooded. Glad most other FL people have checked in and are safe and sound! Thank you, Justme! Did you save your little froggy? I hope so!
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Deleted
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Post by Deleted on Sept 12, 2017 15:36:08 GMT -5
This. I cannot speak to other state's insurance policies, but here, generally speaking when water flows from outside into the home, there is no coverage on the homeowner policy. That would be a flood insurance situation. When it comes to water damage that IS covered, here are some past scenarios off the top of my head: When there is a leak in the swamp (evaporative) cooler line, a sudden break of a water pipe (NOT wear and tear), or if one of my subcontractors neglected to re-hook up a water line after they've done work in someone's home. ETA: As Peace77 says above, call your insurance company/agent. And luck to you. I am no insurance agent, but after our last major hurricane, I remember hearing "wind driven rain" and "flooding" being 2 different things. Water coming in from the bottom up was flooding IIRC, and wind driven rain coming in other areas was different. One being covered by regular insurance and one needing to be covered by flood insurance. Insurance is weird. That's all I recall since I didn't have any damage of either kind then. Not much help but there you go, that's what I know. That's my understanding too. I don't know why you'd need flood insurance for a leaky roof that got blown off.
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Iggy aka IG
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Post by Iggy aka IG on Sept 12, 2017 15:43:02 GMT -5
I am no insurance agent, but after our last major hurricane, I remember hearing "wind driven rain" and "flooding" being 2 different things. Water coming in from the bottom up was flooding IIRC, and wind driven rain coming in other areas was different. One being covered by regular insurance and one needing to be covered by flood insurance. Insurance is weird. That's all I recall since I didn't have any damage of either kind then. Not much help but there you go, that's what I know. That's my understanding too. I don't know why you'd need flood insurance for a leaky roof that got blown off. This would most likely be covered as a wind claim.
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Iggy aka IG
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Post by Iggy aka IG on Sept 12, 2017 15:51:09 GMT -5
This. I cannot speak to other state's insurance policies, but here, generally speaking when water flows from outside into the home, there is no coverage on the homeowner policy. That would be a flood insurance situation. When it comes to water damage that IS covered, here are some past scenarios off the top of my head: When there is a leak in the swamp (evaporative) cooler line, a sudden break of a water pipe (NOT wear and tear), or if one of my subcontractors neglected to re-hook up a water line after they've done work in someone's home. ETA: As Peace77 says above, call your insurance company/agent. And luck to you. I am no insurance agent, but after our last major hurricane, I remember hearing "wind driven rain" and "flooding" being 2 different things. Water coming in from the bottom up was flooding IIRC, and wind driven rain coming in other areas was different. One being covered by regular insurance and one needing to be covered by flood insurance. Insurance is weird. That's all I recall since I didn't have any damage of either kind then. Not much help but there you go, that's what I know. Rain/snow melt/etc coming in through a leaky roof is generally covered as water damage via the homeowners. I've seen where water seepage from rain on the ground going into the home not being covered via the homeowners. And, yes, you are correct, insurance IS weird.
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Chocolate Lover
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Post by Chocolate Lover on Sept 12, 2017 15:55:01 GMT -5
I am no insurance agent, but after our last major hurricane, I remember hearing "wind driven rain" and "flooding" being 2 different things. Water coming in from the bottom up was flooding IIRC, and wind driven rain coming in other areas was different. One being covered by regular insurance and one needing to be covered by flood insurance. Insurance is weird. That's all I recall since I didn't have any damage of either kind then. Not much help but there you go, that's what I know. Rain/snow melt/etc coming in through a leaky roof is generally covered as water damage via the homeowners. I've seen where water seepage from rain on the ground going into the home not being covered via the homeowners. And, yes, you are correct, insurance IS weird. I'm very thankful not to be any more well versed than remembering that little bit because it means I haven't had major weather to deal with. My last headache was getting a quote on a maybe car for my son and not getting anything beyond what it'll cost me next month because then my renewal is up and they couldn't possibly work that out beforehand. I'll still take that over figuring out hurricane coverage any day.
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Jaguar
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Post by Jaguar on Sept 12, 2017 17:48:54 GMT -5
We haven't heard from either NancysSummerSip or milee since yesterday for Milee and on Sept 10th for Nancy. I read on CNN that it could be up to 10 days before power is all back on in Florida.
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zibazinski
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Post by zibazinski on Sept 12, 2017 19:25:29 GMT -5
We haven't heard from either NancysSummerSip or milee since yesterday for Milee and on Sept 10th for Nancy. I read on CNN that it could be up to 10 days before power is all back on in Florida. I think POM might have contact with Nancy outside of here.
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grits
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Post by grits on Sept 12, 2017 20:08:52 GMT -5
If you were fortunate, I am happy for you. If you were less fortunate, you have my sympathy, and understanding. I've lived around the Texas Coast for soon to be 58 years. I think I need to retire, and move near cousins in Abilene.
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taz157
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Post by taz157 on Sept 12, 2017 20:29:49 GMT -5
We haven't heard from either NancysSummerSip or milee since yesterday for Milee and on Sept 10th for Nancy. I read on CNN that it could be up to 10 days before power is all back on in Florida. I think POM might have contact with Nancy outside of here. I've texted NancysSummerSip, but I haven't gotten a response yet. She could still be out of power; therefore, unable to charge her phone especially if they are trying to conserve their resources.
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zibazinski
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Post by zibazinski on Sept 12, 2017 20:31:18 GMT -5
If I'd have come home to a disaster, I think I'd have just moved too.
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NancysSummerSip
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Post by NancysSummerSip on Sept 13, 2017 19:16:48 GMT -5
We are checking in and OK. Power out at 5 p.m. Sunday when the worst of the storm got going. We heard the transformer explode behind our house. Power restored at 3 p.m. today. Inside the house got to over 90 degrees. I am thankful I was working and had stuff to do, or I would have gone off the deep end. I am also thankful I train in the heat. We lost trees and branches, but the patio screens survived. House, including the new roof, is fine. No one in this area had any significant structural damage. A LOT of debris, though. We still need to trim dangling palm fronds, cut a palm tree into pieces to get it hauled away and chop up part of a tree that snapped in half. It's so much worse south of here. The Keys are unrecognizable. I saw pictures and have no idea what was what. North of here, there was a great deal of flooding. My brother on the west coast came through fine. My niece in Orlando I have not heard from, but she posted on FB that their only damage was to their fence and the house was fine.
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zibazinski
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Post by zibazinski on Sept 13, 2017 19:21:43 GMT -5
We are checking in and OK. Power out at 5 p.m. Sunday when the worst of the storm got going. We heard the transformer explode behind our house. Power restored at 3 p.m. today. Inside the house got to over 90 degrees. I am thankful I was working and had stuff to do, or I would have gone off the deep end. I am also thankful I train in the heat. We lost trees and branches, but the patio screens survived. House, including the new roof, is fine. No one in this area had any significant structural damage. A LOT of debris, though. We still need to trim dangling palm fronds, cut a palm tree into pieces to get it hauled away and chop up part of a tree that snapped in half. It's so much worse south of here. The Keys are unrecognizable. I saw pictures and have no idea what was what. [imgsrc="http://syonidv.hodginsmedia.com/vsmileys/melancholy.png"] North of here, there was a great deal of flooding. My brother on the west coast came through fine. My niece in Orlando I have not heard from, but she posted on FB that their only damage was to their fence and the house was fine. [ So glad you've checked in!!
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NancysSummerSip
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Post by NancysSummerSip on Sept 13, 2017 19:30:35 GMT -5
I got a ton of text messages, so I may have lost a few when cell phone service was restored. We are still under a curfew here, so no early swim practice until curfew is lifted. There is a later practice or I can just go on my own until the curfew is lifted.
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Sharon
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Post by Sharon on Sept 13, 2017 19:49:35 GMT -5
NancysSummerSip glad you and you family are ok and that you were able to check in. Bluerobin was getting ready to fire up the bus to come find you.
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zibazinski
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Post by zibazinski on Sept 13, 2017 19:59:56 GMT -5
Is everyone accounted for? Are we missing anyone?
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NancysSummerSip
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Post by NancysSummerSip on Sept 13, 2017 20:15:27 GMT -5
NancysSummerSip glad you and you family are ok and that you were able to check in. Bluerobin was getting ready to fire up the bus to come find you. The Keys would certainly welcome Blue and The Short Bus Entourage at the moment. Power is rapidly being restored along the east coast - should be completed by Friday, well ahead of schedule, then things shift to the west coast. Sadly, restoring the Keys will take much longer, as there is little infrastructure left.
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zibazinski
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Post by zibazinski on Sept 13, 2017 20:21:56 GMT -5
NancysSummerSip glad you and you family are ok and that you were able to check in. Bluerobin was getting ready to fire up the bus to come find you. The Keys would certainly welcome Blue and The Short Bus Entourage at the moment. Power is rapidly being restored along the east coast - should be completed by Friday, well ahead of schedule, then things shift to the west coast. Sadly, restoring the Keys will take much longer, as there is little infrastructure left. 😢
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