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| StriperTalk! All things Striper |
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10-30-2012, 12:22 PM
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#1
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Chris Blouin
Join Date: Mar 2009
Location: Warren, RI
Posts: 3,330
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Apartment Flooded!
Last night we had a foot of water thru our entire house. Literally, everything is flooded. Anything that was touching the floor is soaked.
Water came up so high, it soaked the box frame and mattress.
I have renters insurance, but they are saying it doesn't cover flooding. Need to call again.
Anyone know what if anything a landlord is obligated to do for us? We have a lease.
We are making out ok, moving all our stuff into a temporary spot.
What a mess.
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STORMR Pro Staff Member
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10-30-2012, 12:29 PM
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#2
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Registered User
Join Date: Feb 2006
Location: marshfield
Posts: 3,620
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Sorry you got flooded out, what a pia. See if the landlord has flood insurance
Posted from my iPhone/Mobile device
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10-30-2012, 12:42 PM
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#3
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Registered User
Join Date: Sep 2005
Location: Cumberland, RI
Posts: 2,264
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pretty sure both homeowners and renters insurance excludes floods... Only hope is landlord carried flood insurance.
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Good judgement comes from experience, and experience comes from bad judgement -- Keith Benning
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10-30-2012, 12:42 PM
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#4
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><(((°> ><((( °> ><(((°>
Join Date: Feb 2007
Location: Falmouth, Ma
Posts: 1,520
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Sorry Chef, I'd check if the landlord has flood insurance.
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60 % of the time, it works every time.
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10-30-2012, 12:51 PM
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#5
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Registered User
Join Date: Sep 2003
Location: Libtardia
Posts: 21,692
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Bummer!!! Sorry chef!
Posted from my iPhone/Mobile device
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10-30-2012, 12:51 PM
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#6
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Registered User
Join Date: Oct 2006
Location: Marshfield, Ma
Posts: 2,150
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Tell your insurance company that it was not caused by a flood but by a Hurricane. That's what the hotels in Indonesia did after that huge title wave. They won the argument as they said it was caused by an earthquake vs a flood
Posted from my iPhone/Mobile device
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10-30-2012, 01:06 PM
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#7
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Certifiable Intertidal Anguiologist
Join Date: Feb 2000
Location: Somewhere between OOB & west of Watch Hill
Posts: 35,270
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Good luck, dude
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~Fix the Bait~ ~Pogies Forever~
Striped Bass Fishing - All Stripers
Kobayashi Maru Election - there is no way to win.
Apocalypse is Coming:
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10-30-2012, 01:14 PM
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#8
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Land OF Forgotten Toys
Join Date: Sep 2009
Location: Central MA
Posts: 2,309
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Good luck Chris. As a Landlord my insurance covers my property period. Structure and appliances etc. look into FEMA help as well. Many times there is federal money available to victims of Natural Disasters. Get the ball rolling fast on that as I know the money will be chewed up rapidly. Get in touch with as many state and federal agencies as possible. It will be a task but the hours you spend may be re couped via aid. I am sorry you are going through this bud. It is a Terrible thing to experience. I went through a fire in my twenties and it devastated me. But you get through it.
Posted from my iPhone/Mobile device
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10-30-2012, 01:37 PM
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#9
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Idiot
Join Date: Jul 2012
Location: Glastonbury, CT
Posts: 2,287
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Be persistent... depending on the extent of your loss you might want to consult with an attorney (usually landlord insurance won't cover personal belongings)
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10-30-2012, 02:30 PM
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#10
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Hardcore Equipment Tester
Join Date: Mar 2001
Location: Abington, MA
Posts: 6,234
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At a minimum the landlord should be putting you in a clean dry place until he can rehab. Call your local board of health
Posted from my iPhone/Mobile device
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10-30-2012, 03:15 PM
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#11
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Registered User
Join Date: Feb 2004
Location: RI
Posts: 5,704
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That sucks.Been there and it is no fun.
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10-30-2012, 03:44 PM
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#12
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Registered User
Join Date: Mar 2003
Location: Gloucester Massachusetts
Posts: 2,678
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sorry about your property being flooded...most home owners or landlords do not get flood insurance it is not expensive....it is also available to tenants too.
People that own Condos should also get renters insurance since the master insurance only covers from the outside walls out...and like in Virgina nobody had earth quake insurance...some people could not afford to fix their property
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10-30-2012, 04:14 PM
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#13
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Registered User
Join Date: Mar 2003
Location: Gloucester Massachusetts
Posts: 2,678
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check this out for reference:
Flood Insurance FAQ |
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10-30-2012, 05:02 PM
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#14
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Afterhours Custom Plugs
Join Date: Mar 2004
Location: R.I.
Posts: 8,642
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sorry to hear this chef...
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10-30-2012, 06:29 PM
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#15
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Chris Blouin
Join Date: Mar 2009
Location: Warren, RI
Posts: 3,330
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Thanks for the replies guys.
We're actually much better already. Luckily landlord had another apartment open right next door so we moved all our stuff in there within 6 hours.
Trying to unpack now and make sense of it all.
Thank you to everyone that called, emailed, texted and pmed me asking to help out.
This is a great community here and I wish everyone the best.
Posted from my iPhone/Mobile device
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10-31-2012, 09:20 AM
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#16
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Retired Surfer
Join Date: Dec 2000
Location: Sunset Grill
Posts: 9,511
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Quote:
Originally Posted by Scratch59
Be persistent... depending on the extent of your loss you might want to consult with an attorney (usually landlord insurance won't cover personal belongings)
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Sorry for what has happened Chris. If your landlord says no, go for the attorney and sue him. He has to have some kind of liabitlity insurance. |
Swimmer a.k.a. YO YO MA
Serial Mailbox Killer/Seal Fisherman
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10-31-2012, 09:43 AM
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#17
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Registered User
Join Date: Mar 2003
Location: Gloucester Massachusetts
Posts: 2,678
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In most cases landlord is not responsible for apartment flooding by natual causes....if apartment is flooded due to faulty plumbing there is recourse...it is always best to check with attorney if U can afford it
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10-31-2012, 12:05 PM
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#18
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Chris Blouin
Join Date: Mar 2009
Location: Warren, RI
Posts: 3,330
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It's not worth the suing or lawyer fees, besides for some cheap ikea bookcases, a desk and some random towels and pillows we used to try and stop the flood nothing of real value was lost.
Plus we were lucky that the apartment next door was available, literally 40 feet away, and he was nice enough to let us move it there.
I called around legally he doesn't have to help us move, relocate, pay for movers or a pod. Basically it falls on the tenant.
I have renters insurance but flooding by storms, hurricanes, natural disasters are not covered. I'm going to have a friend that files claims look over my paperwork and see if there is anything I can do.
I'm thankful we have a clean dry place, dogs are safe, and we didn't lose anything that can't be easily replaced
Posted from my iPhone/Mobile device
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10-31-2012, 12:45 PM
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#19
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Oblivious // Grunt, Grunt Master
Join Date: Nov 2005
Location: over the hill
Posts: 6,682
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Certainly you should point out to your wife that your fishing tackle got wet so now you'll need more. Worth a try.
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10-31-2012, 01:01 PM
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#20
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...
Join Date: Jan 2004
Location: MA/RI
Posts: 2,411
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The water pipe bursting may have given you a legitimate claim, what a coincidence.
Posted from my iPhone/Mobile device
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10-31-2012, 01:26 PM
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#21
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Very Grumpy bay man
Join Date: Nov 2003
Location: Rhode Island
Posts: 10,824
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Quote:
Originally Posted by chefchris401
It's not worth the suing or lawyer fees, besides for some cheap ikea bookcases, a desk and some random towels and pillows we used to try and stop the flood nothing of real value was lost.
Plus we were lucky that the apartment next door was available, literally 40 feet away, and he was nice enough to let us move it there.
I called around legally he doesn't have to help us move, relocate, pay for movers or a pod. Basically it falls on the tenant.
I have renters insurance but flooding by storms, hurricanes, natural disasters are not covered. I'm going to have a friend that files claims look over my paperwork and see if there is anything I can do.
I'm thankful we have a clean dry place, dogs are safe, and we didn't lose anything that can't be easily replaced
Posted from my iPhone/Mobile device
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You need any help just holler. We'll get a bunch of these crazies together and come and help ya. |
No boat, back in the suds.  
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10-31-2012, 01:30 PM
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#22
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Chris Blouin
Join Date: Mar 2009
Location: Warren, RI
Posts: 3,330
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Thanks guys.
Only thing the water "wrecked" is my van staals and ZeeBaas reels, wonder if they'll cover new ones??
But in all seriousness, were doing good. Spent the early part of the day unpacking and sorting. Still lots to do but it's manageable now.
Could have been much worse.
Posted from my iPhone/Mobile device
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10-31-2012, 02:34 PM
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#23
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Registered User
Join Date: Feb 2006
Location: marshfield
Posts: 3,620
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i've got some furniture if you need anything
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my 1st wife didn't like me fishing so much
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10-31-2012, 02:53 PM
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#24
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Registered User
Join Date: Jul 2004
Posts: 10,295
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Quote:
Originally Posted by chefchris401
I'm thankful we have a clean dry place, dogs are safe, and we didn't lose anything that can't be easily replaced
Posted from my iPhone/Mobile device
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That is the important thing. Glad it wasn't worse! |
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10-31-2012, 06:30 PM
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#25
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Registered User
Join Date: Apr 2001
Posts: 4,449
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Best of luck, Chris. I had a flood in my basement when I moved into my new house in 2002. I literally lost everything down there. I had just moved in and hadn't bought shelves yet. I had the adjuster come to the house and laugh...like $30-40,000 worth of stuff...we didn't get a dime. It was a heartbreaker!
Anything I can do let me know.
Rick
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John Redmond Thinks He's Smart By Changing My Avatar
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10-31-2012, 08:09 PM
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#26
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Registered User
Join Date: Dec 2002
Location: North Branford,Ct.
Posts: 7,655
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Sorry Chris. Good luck. Big family here. If u need assistance give a shout.
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Billy D.
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11-01-2012, 08:03 AM
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#27
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Super Moderator
Join Date: Aug 2000
Location: Middleboro MA
Posts: 17,125
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Glad you are OK now
floods suck
been there
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11-01-2012, 02:03 PM
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#28
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Registered User
Join Date: May 2010
Location: South Central
Posts: 1,280
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Sorry to hear chris, hope things work out smooth for ya.
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something clever and related to fishing
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11-01-2012, 03:02 PM
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#29
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Too old to give a....
Join Date: Dec 2007
Posts: 2,505
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Next time put a lighter up to the sprinkler head.
Posted from my iPhone/Mobile device
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11-02-2012, 12:44 PM
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#30
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Registered User
Join Date: Feb 2003
Location: Hyde Park, MA
Posts: 4,152
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Most people that get flooded didn't check their current insurance policies to see that floods (natural causes) are not covered.
You have to get a separate policy for flood insurance.
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