Comments on: What can we expect from Homeowners insurance?

By: boo v

boo v — Tue, 09 Feb 2010 11:03:50 +0000

we can expect money from them

By: Chad K

Chad K — Tue, 09 Feb 2010 11:03:50 +0000

Your insurance should cover all of it, and your insurance company can go after the demo guys to get money from their company for damaging the stove.

By: erindrozda

erindrozda — Tue, 09 Feb 2010 11:03:49 +0000

I would expect them to give you money to repair/replace everything that was damaged. That’s why you pay so much to them every year.

By: canela

canela — Tue, 09 Feb 2010 11:03:49 +0000

The insurance should cover reasonable replacement costs for the damaged cabinets. As they were old you shouldn’t expect too much but their estiamte should also include instalation cost. As for the damage the demo guys caused, you’ll probably have to go after them for that.

By: mbrcatz17

mbrcatz17 — Tue, 09 Feb 2010 11:03:49 +0000

OK, coverage varies by policy – you don’t state what type of policy you have, but you are indicating that the adjuster is saying that the damage seems to be covered.

I would NOT expect the damage to the pipe itself to be covered, but that’s the least of your worries.

The stove can be repaired.

Assuming that the damage is covered, AND that there is NOT an issue with underinsurance on the house (you’re insured to full replacement value), you can expect like kind & quality cabinets, like kind & quality drywall, and the enamel on the stove can be REPAIRED.

Depending on the type of damage, you could just leave the cabinetry and get new doors, replacing just the few that were water damaged with custom frames, or maybe if it’s just scratching, sand & refinish.

When they’re all done with the work, your kitchen should look consistant, though, not piecemeal – unless you have an HO8 form policy, which gives FUNCTIONAL replacement cost, not like kind & quality.

So if you edit this question . . . add your policy form. Is it an HO3? HO8? HOA? It matters.

By: MTR

MTR — Tue, 09 Feb 2010 11:03:46 +0000

Usually (under an ho3 policy form, with replacement cost..that’s what most people carry), you should be able to get new kitchen cabinets. However, sometimes, the boxes of the cabinets can be rebuilt, and the old faces put back on them. If the cost to do this is too much, then the adjuster would evaluate based on replacement of like kind and quality cabinetry. He would pay for those at a depreciated value, at least until the time you actually replace them.

As to the stove, it’s not all that unusual for a stove to be chipped. Certainly, the repair company didn’t do it deliberately, so it’s consequential damages. A repair of the stove would normally be included in the insurance company’s estimate.