 INSURANCE WON'T PAY (by RAY [NY]) Sep 16, 2010 9:32 AM
 INSURANCE WON'T PAY (by Bill [TX]) Sep 16, 2010 10:11 AM
INSURANCE WON'T PAY (by Steve [TN]) Sep 16, 2010 10:39 AM
INSURANCE WON'T PAY (by joann [PA]) Sep 16, 2010 10:41 AM
INSURANCE WON'T PAY (by Virden [OH]) Sep 16, 2010 11:41 AM
INSURANCE WON'T PAY (by NotNice [MA]) Sep 16, 2010 12:24 PM
INSURANCE WON'T PAY (by Marv [IL]) Sep 16, 2010 1:29 PM
INSURANCE WON'T PAY (by Kevin [MO]) Sep 16, 2010 1:49 PM
INSURANCE WON'T PAY (by Reid [KS]) Sep 16, 2010 3:39 PM
INSURANCE WON'T PAY (by ManateeAlley [FL]) Sep 16, 2010 8:07 PM
INSURANCE WON'T PAY (by Robert J [CA]) Sep 16, 2010 11:56 PM
INSURANCE WON'T PAY (by TenantWhisperer [MA]) Sep 17, 2010 7:58 AM
INSURANCE WON'T PAY (by Red [MA]) Sep 17, 2010 10:15 PM
INSURANCE WON'T PAY (by RAY [NY]) Posted on: Sep 16, 2010 9:32 AM
Message:
State Specific Question About: NEW YORK (NY)
I own a 4 family, hundred year old brownstone that was renovated in 2006. Part of the ceiling collapsed in one of the apartments and the insurance won't pay. They said it came from normal wear and tear. Does that sound right. The apartment is in excellent, well kept condition.
--74.73.xxx.xxx |
INSURANCE WON'T PAY (by Bill [TX]) Posted on: Sep 16, 2010 10:11 AM
Message:
Not enough information. What does your policy say?
What do you expect the cost of repair to be? Unless the repair cost is more than a few thousand dollars, I would not contact the insurance company. --198.208.xxx.xx |
INSURANCE WON'T PAY (by Steve [TN]) Posted on: Sep 16, 2010 10:39 AM
Message:
Unless the ceiling collapsed due to a burst pipe or a tree falling on the roof, I wouldn't expect insurance to pay. --216.79.xx.xx |
INSURANCE WON'T PAY (by joann [PA]) Posted on: Sep 16, 2010 10:41 AM
Message:
Steve is right. if it collapsed because it needed to be replaced it is not covered --96.245.xxx.xx |
INSURANCE WON'T PAY (by Virden [OH]) Posted on: Sep 16, 2010 11:41 AM
Message:
I must ask why the insurance would pay it this damage is caused from something that could have been kept under control? replacing a 3-400 bux ceiling is not even worth making a claim. --65.43.xxx.x |
INSURANCE WON'T PAY (by NotNice [MA]) Posted on: Sep 16, 2010 12:24 PM
Message:
It never occurred to me that a ceiling would have an expected life span. What is it?
What is the expected life span of hardwood floors?
--66.19.xxx.xxx |
INSURANCE WON'T PAY (by Marv [IL]) Posted on: Sep 16, 2010 1:29 PM
Message:
Why did it collapse? Loose plaster? Kids walking in attic? Tell us more. --173.15.xx.xxx |
INSURANCE WON'T PAY (by Kevin [MO]) Posted on: Sep 16, 2010 1:49 PM
Message:
I have a few hundred year old buildings with plaster ceilings ... some would have been dropping chunks unless repaired with plaster washers or drywalled over. Just a little water damage can considerably weaken the plaster.
Cleaning it up and throwing up a drywall ceiling is pretty cheap and certainly not worth an insurance claim. --128.252.xx.xxx |
INSURANCE WON'T PAY (by Reid [KS]) Posted on: Sep 16, 2010 3:39 PM
Message:
What kind of Wear and tear does a ceiling usually get ? I remember a popular song called "dancing on the Ceiling" I guess that might eventually cause it to fall in ??(LOL) I think I'd be getting a second opinion from an independent Adjuster. --99.151.xx.xxx |
INSURANCE WON'T PAY (by ManateeAlley [FL]) Posted on: Sep 16, 2010 8:07 PM
Message:
I think I'd ask my agent if the ceiling had fallen in on the tenants family causing injury, would I have been covered against liability... --174.61.xx.x |
INSURANCE WON'T PAY (by Robert J [CA]) Posted on: Sep 16, 2010 11:56 PM
Message:
I had half the ceiling plaster in a bedroom come falling down. After my investigation I found a neighbor used my roof to paint his third story exterior walls via a poll and a roller. His weight cut through the pair-a-pit roofing material and it rained the next day. The rain soaked my plaster and it came crashing down and destoryed my tenants furnature. The neighbors insurance company denied my claim, said my roof was old anyways. My insurance said they would not pay because I had no "water coverage". The police wouldn't arrest my neighbor for trespass and roof damage. I had to repair the roof, ceiling, flooring and tenants items myself -- even though the damaged was caused by another. Your ceiling was because of age............ --173.60.xx.xx |
INSURANCE WON'T PAY (by TenantWhisperer [MA]) Posted on: Sep 17, 2010 7:58 AM
Message:
Sounds like you need to sue the neighbor for the cost of repair. You may have to get a home inspector involved to document the cause-and-effect. --199.46.xxx.xxx |
INSURANCE WON'T PAY (by Red [MA]) Posted on: Sep 17, 2010 10:15 PM
Message:
Do you mean parapet roofing material, as in parapet walls? --71.243.xx.x |
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