Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
I see the license on the citys site but I do know they never notified the city before beginning the work. They did have a permit though. I want to wait until they leave and see if there is insurance listed on the permits out front. From reading online, it seems to be required to be listed there but I could be wrong.
So now apparently the house flipping company has no insurance either! Their offer is to do all the repairs themselves. So now it seems our options are to either do that or have our insurance try and subrogate which it doesn't seem like the house flipping will pay. We just had a mold specialist come and he says we would need to rip out the whole section of the wall that was wet and ceiling in order to determine the work needed. It looks like if we made a claim and they don't get the money back, our premium will probably end up doubling. Ugh this is a disaster. My husband is saying lets just have the neighbors do the work and it wont cost us but how can we trust them?! What would you do? We obviously want to pay out minimally but it seems we are at the mercy of our neighbors.
I would trust the mold specialist. I would get what they told you in writing and share it with the house flippers as to what needs to happen. I would also contact your neighbors who hired these flippers and let them know what has been going on. If the flippers refuse to do it right and if your neighbors refuse to take responsibility, you may need to go through your insurance and get it fixed correctly and then take the flippers or your neighbors to court to recoup your cost. I would think that the flippers would be required to have insurance but if not, would your neighbor's insurance cover the damage since it was the result of something happening on their property?
In the meantime, document every conversation. Take lots of photos, get reports from any witnesses, etc.
Our neighbors are the house flippers. They bought the house to redo it. Yea I think I am leaning towards going through the insurance. Only problem is though that our insurance will end up paying if they don't and our premium may double and I have to pay me $1000 deductible. Can I recoup this through court or is this too small an issue to go to court for? Also worried for legal fees and so forth blah!
I think if you go through your insurance the insurance company will try to recoup the costs by suing the flippers. That's what insurance companies do, at least with car insurance, I would think with homeowners too. Your insurance will really appreciate any and all things you can document with pictures, statements, any conversations you have with flippers and city hall.
Husband had a small car accident, his fault, he took pictures of of everything at accident scene (apparently the other driver didn't realize he took pictures) a week later a small fender bender turned into a totaled car and ambulance, which it wasn't. Our insurance got pictures of a totally smashed up car, different from our pictures. Our agent was almost giddy saying the guy was being sued for insurance fraud.
- it is their fiduciary responsibility to be cheap.
This is not true. The fiduciary responsibility is to their company and many companies value a quality claim experience and satisfied customer (they may raise your rates though).
My in-laws bought a new house and their water heater in the basement leaked and then it was discovered they had asbestos tiles. Even though they just signed with this particular company, they got exactly what they expected and are super happy customers (and they will stay with the company and recommend to friends).
They just gave me an assessment of $3400 which seems kind of low to me being they have to rip out 2 walls, replace insulation and put in new drywall and paint. Then with the deductible we would only get 2400 plus an increase in premium...The mold guy said the wood and structure of the house is dry and fine so would just be a replacement of insulation. Now I cant decide if we should take the claim or go with letting the workers next door do it since it doesn't seem like that big a job?
I guess you could go with the guys next door, as long as they are licensed, insured (to cover liability on your end incase of injury of one of their employees on work for you) Do they need a permit do work on your home?
Or have them pay you cash as a settlement and fix it yourself, hire your own drywall guy. They will probably have you sign a release. May still need a permit, I don't know.
Yea, I don't think they need a permit if it is not a demolition or addition. I don't think they want to pay cash as they are trying to do the correction cheap. But I am going to recommend that we have them pay for an independent water restoration company to come and confirm that there is no additional damage before they seal the wall. I am kinda annoyed it has come to this. These people are nuts! I am still going to check on this with the city to make sure they are in trouble at least. They shouldn't get away with this type of work and have no insurance!
We live in a 3 story rowhome and our neighbors house is recently adding a third floor to their 2 story home. They are a house flipping company and they had like 20 construction workers on the job, throwing stuff all over the place, dust and debris all over my yard, hanging paint cans and bricks from the roof to keep on a tarp. It seemed very shady and sloppy to me and one of my neighbors actually did put in a complaint to city licensing and inspections. Saturday night we had a storm and water started coming in through our ceiling and out of the light sockets in our wall. Apparently the workers had left open the outside of our house so the insulation and wiring and such was exposed. We had police, fire, licensing etc. out to try and cover the area. Was a huge pain and waste of our weekend. Anyways, the house flipping company was very apologetic and said they will do everything to fix it. They had their construction company cut a hole in our wall and ceiling and put a dehumidifier on it and said it should be fine. Is this enough? They only cut a small 4 ft x 2 ft hole in our wall. They didn't check if other areas had water damage or anything and didn't remove the insulation. We called a mold company and they basically said the entire wall will need to be removed to check and all insulation should be removed. Are they trying to cut corners on this? We are also having our insurance come out Thurs to assess as well. Any suggestions or anyone have an issue similar to this?
Seriously. Call your insurance company. Let your insurance company determine what needs to be done. Why would you trust your home to these fly by night idiots who already damaged your home because they are irresponsible.
Get your insurance company on the phone asap. Report, document everything....start getting estimates from other companies. Do not risk mold damage and long term risk to your home. You say the electric, the roof, obviously all the sheet rock.....this is a disaster within the disaster if this is not fixed correctly.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
