[skippy05]

I would highly avoid calling your insurance company regarding this issue. I am talking from personal experience. Any claim or talk of a claim with them will raise your rate to an astronomical amount. They also place you on a black list so that if you try to obtain a policy from another company; that new company will see your name on the list and refuse to insure you for up to 2 more years. Meanwhile, you are stuck on your current (now very high rate) policy! Home insurance should always be regarded as a catastrophic type of thinking, loss when it comes to filing a claim. Do you think filing a claim to recover maybe 15 k of damages is a good idea? Think again. A better way of thinking is I'll only file a claim if the claim need is around 60k or more. YOU pay when you file these small claims....you get their compensation check but then you pay over and over again each time you pay the new higher rate policy. Also, note that your insurance company could care less if you say or think....this claim is "not my fault" (and, therefore would be "nice" and not raise your rates as a result.) Also, note that any claim or even inquiry talk of a claim flags you on the shared insurance company database. Should you try to sell your home over the next couple of years and the prospective buyer tries to obtain an insurance quote....this will cause them to see even the talk of a possible claim and raise RED flags with your prospective buyer as to what happened to this house and do I really still want to purchase it. Why do I know this; again....it happened to me when I was trying to buy a Florida home 3 years ago and when I asked the seller what was this insurance inquiry: The seller said I only called to inquire about a possible claim and did not file one. Next, the seller refused to disclose to me what that inquiry was about, and therefore during my due diligence of the contract I canceled the purchase because I felt the seller was now hiding from me some important facts about the property that was important in my purchasing decision. In summary, I am not saying to never call or file or talk to your insurance company about a claim. I'm saying only do so if you are taking BIG numbers and not small amounts...because this is 'what' the home insurance policy should be regarded as used for.

[PugMom]

i'd give Doc's Restoration a call for h20 damage. good luck

[Girlcopper]

Originally Posted by skippy05

I would highly avoid calling your insurance company regarding this issue. I am talking from personal experience. Any claim or talk of a claim with them will raise your rate to an astronomical amount. They also place you on a black list so that if you try to obtain a policy from another company; that new company will see your name on the list and refuse to insure you for up to 2 more years. Meanwhile, you are stuck on your current (now very high rate) policy! Home insurance should always be regarded as a catastrophic type of thinking, loss when it comes to filing a claim. Do you think filing a claim to recover maybe 15 k of damages is a good idea? Think again. A better way of thinking is I'll only file a claim if the claim need is around 60k or more. YOU pay when you file these small claims....you get their compensation check but then you pay over and over again each time you pay the new higher rate policy. Also, note that your insurance company could care less if you say or think....this claim is "not my fault" (and, therefore would be "nice" and not raise your rates as a result.) Also, note that any claim or even inquiry talk of a claim flags you on the shared insurance company database. Should you try to sell your home over the next couple of years and the prospective buyer tries to obtain an insurance quote....this will cause them to see even the talk of a possible claim and raise RED flags with your prospective buyer as to what happened to this house and do I really still want to purchase it. Why do I know this; again....it happened to me when I was trying to buy a Florida home 3 years ago and when I asked the seller what was this insurance inquiry: The seller said I only called to inquire about a possible claim and did not file one. Next, the seller refused to disclose to me what that inquiry was about, and therefore during my due diligence of the contract I canceled the purchase because I felt the seller was now hiding from me some important facts about the property that was important in my purchasing decision. In summary, I am not saying to never call or file or talk to your insurance company about a claim. I'm saying only do so if you are taking BIG numbers and not small amounts...because this is 'what' the home insurance policy should be regarded as used for.

Ahhh. The conspiracy theory ……….

[deebrock]

Did it happen before the mulch when it rained. If not then it is not a grading problem it is the landscapers problem. Just sayin.

[Marine1974]

You just said don’t call or file a claim now your saying you never said that . Which is it ? That is what insurance is for regulated by
state law .

[Ritagoyer]

Originally Posted by UptownBee

Thanks, we did have them do the yearly inspection so we'll give them a call. Now the landscape company is trying to say it's a grading issue....so we called The Villages and of course they say it's the landscapers fault.

Take lots of pictures inside and out of the problem BEFORE anything else is done.

[Larchap49]

Originally Posted by UptownBee

Hi everyone,

Our patio villa sustained water damage when a company installed so much mulch in our neighbors flower bed it was above our siding. This forced water into our patio villa after a heavy rain. The reason I'm posting is I'm looking for a company that can assess the unseen damage. We were able to soak up the visible water on the carpet and the middle of the kitchen floor, but in terms of water damage under the siding and behind the kitchen cabinets, we aren't able to get at those.

Do you have any suggestions as to a good company that can assess that damage and determine if there is mold.

Thank you.

The only true and long term fix is to have a French drain between units. Otherwise it will happen again.

[HORNET]

Contact Community Standards, your neighbor may be in violation of what they did and they may to have it corrected on their dime. Happened to one of the people in our village, it actually ran dirty water into their lanai. Don’t wait too long or you may not be able to have it corrected

[KRMACK55]

Originally Posted by UptownBee

We're calling our Agent now because the landscaper (which is one of the major players in The Villages) is trying to blame the grading and when we called The Villages they just say the grading is fine (without actually inspecting it). We wanted to avoid a claim and potential increase in premium but we definitely need someone interested in our best interests at this point.

Good luck you are entering the maze of crazy town insurance issues

[Spalumbos62]

Originally Posted by Orvil

Call your insurance agent. They will have the name of a remediation company. If it came into the house and got behind the drywall, you have mold. It's going to be a big issue. You will need a professional remediation company to deal with fall out. Start taking pictures for the claim.

Agree 100%. Eventually their insurance should pay, but don't wait on that, use yours and let them subrogate. Eitherway, act now. Take lots of pics.
Btw....is neighbor being forthright? If so maybe you won't need your ins at all. Good luck with this.

[Velvet]

Originally Posted by skippy05

I would highly avoid calling your insurance company regarding this issue. I am talking from personal experience. Any claim or talk of a claim with them will raise your rate to an astronomical amount. They also place you on a black list so that if you try to obtain a policy from another company; that new company will see your name on the list and refuse to insure you for up to 2 more years. Meanwhile, you are stuck on your current (now very high rate) policy! Home insurance should always be regarded as a catastrophic type of thinking, loss when it comes to filing a claim. Do you think filing a claim to recover maybe 15 k of damages is a good idea? Think again. A better way of thinking is I'll only file a claim if the claim need is around 60k or more. YOU pay when you file these small claims....you get their compensation check but then you pay over and over again each time you pay the new higher rate policy. Also, note that your insurance company could care less if you say or think....this claim is "not my fault" (and, therefore would be "nice" and not raise your rates as a result.) Also, note that any claim or even inquiry talk of a claim flags you on the shared insurance company database. Should you try to sell your home over the next couple of years and the prospective buyer tries to obtain an insurance quote....this will cause them to see even the talk of a possible claim and raise RED flags with your prospective buyer as to what happened to this house and do I really still want to purchase it. Why do I know this; again....it happened to me when I was trying to buy a Florida home 3 years ago and when I asked the seller what was this insurance inquiry: The seller said I only called to inquire about a possible claim and did not file one. Next, the seller refused to disclose to me what that inquiry was about, and therefore during my due diligence of the contract I canceled the purchase because I felt the seller was now hiding from me some important facts about the property that was important in my purchasing decision. In summary, I am not saying to never call or file or talk to your insurance company about a claim. I'm saying only do so if you are taking BIG numbers and not small amounts...because this is 'what' the home insurance policy should be regarded as used for.

Now if that was true, why would anyone get insurance in the first place?

To me it sounds like you can pay the premiums but don’t dare make a claim! Now how can that be legal? Blacklist you for something you didn’t do? I’d report them to BBB, and social media and everywhere I can think of to make sure everyone knew exactly what they are doing. This is here, you can’t just scam and terrorize people.

But I would not put in a claim for a small amount frequently myself.

[newgirl]

Sadly they still will raise your rates , and not only on homeowners insurance. I filed a small ( under $5.000) claim and not only did it raise my homeowner but my auto and even my cart. And I have a. 800 credit score

[Mrprez]

They can do it. I called to discuss filing a claim with my homeowners policy company. No claim was filed. Just before renewal time, I was shopping around for a better rate. I was denied coverage due to having two claims. One was an actual claim and the other was the phone call to discuss a claim.

[stadry]

agree landowner is responsiblea simple french drain might resolve the issue

[GypsyRN]

Originally Posted by skippy05

I would highly avoid calling your insurance company regarding this issue. I am talking from personal experience. Any claim or talk of a claim with them will raise your rate to an astronomical amount. They also place you on a black list so that if you try to obtain a policy from another company; that new company will see your name on the list and refuse to insure you for up to 2 more years. Meanwhile, you are stuck on your current (now very high rate) policy! Home insurance should always be regarded as a catastrophic type of thinking, loss when it comes to filing a claim. Do you think filing a claim to recover maybe 15 k of damages is a good idea? Think again. A better way of thinking is I'll only file a claim if the claim need is around 60k or more. YOU pay when you file these small claims....you get their compensation check but then you pay over and over again each time you pay the new higher rate policy. Also, note that your insurance company could care less if you say or think....this claim is "not my fault" (and, therefore would be "nice" and not raise your rates as a result.) Also, note that any claim or even inquiry talk of a claim flags you on the shared insurance company database. Should you try to sell your home over the next couple of years and the prospective buyer tries to obtain an insurance quote....this will cause them to see even the talk of a possible claim and raise RED flags with your prospective buyer as to what happened to this house and do I really still want to purchase it. Why do I know this; again....it happened to me when I was trying to buy a Florida home 3 years ago and when I asked the seller what was this insurance inquiry: The seller said I only called to inquire about a possible claim and did not file one. Next, the seller refused to disclose to me what that inquiry was about, and therefore during my due diligence of the contract I canceled the purchase because I felt the seller was now hiding from me some important facts about the property that was important in my purchasing decision. In summary, I am not saying to never call or file or talk to your insurance company about a claim. I'm saying only do so if you are taking BIG numbers and not small amounts...because this is 'what' the home insurance policy should be regarded as used for.

Take a breath, please!! When responses are verbose and there is no breaking up of sentences, let alone paragraphs, it is an instant headache to read!!