The recent cold blasts and “polar vortexes” that have made their way south into Missouri this winter have not been kind to some homeowners … particularly a recent client who had the misfortune of having a bathroom water pipe burst on the second floor of his home.
They have a broken water pipe on the level above.
For an undetermined number of hours, water cascaded from the second-floor bathroom, then through the ceiling of the first-floor master bedroom, and then soon created a path into the finished basement and game room. The damage was significant to the home’s structure and the furnishings, clothing, pool table, and electronic equipment that found itself underwater for hours before being discovered.
He called his insurance company, who, in turn, hired a local “independent adjuster” who came to the home to assess the damage and determined that the insurance company would agree to pay approximately $11,000.00 to cover the loss of personal property and restore the house to its original condition. Having recently spent much more than this to install the destroyed wooden floors and finish his basement the previous summer — my client was offended by his insurance company’s apparent disregard for his condition and was understandably upset.
In the search for a public adjuster to represent him, he found this blog on the internet and called me for assistance.
In about four weeks, we negotiated a settlement with his insurance company for over $38,000.00, with which he can fully restore his home to its original condition and replace his personal property precisely as promised by his insurance policy.
Most states now license public adjusters to assist homeowners and business owners with property claims. Help is available. All you need to do is ask.