Friday night, DH discovered water on the floor in front of the dishwasher. He shut it off and mopped it up. He said it was quite a bit. He went downstairs to our finished basement to make sure it hadn't leaked down there...it had. We ended up cutting a pretty big hole in the ceiling to release the water and to dry it out in order to prevent mold growth.
Later on, we noticed the wood floors in the kitchen were bowing and warped. There is probably 1/4-1/3 of the kitchen with warped floorboards. It is pretty noticeable.
I called the insurance company this morning to inquire what we should do. We have to get an estimate and decide if we want to file a claim. Our deductible is $1450. I am pretty sure the damage is much more than that. We have never had a homeowners claim and he said that one claim would not cause a jump of our premium, so I am not concerned about that.
This is my question: our home is about 7 years old. I am not sure how easy it will be to match the flooring. I want it to match of course. Will the insurance company replace the entire wood floor that extends into the powder room bathroom? How does this work exactly? We are considering tile or permastone instead of wood floors in that I am not crazy about wood floors with a dog. Will the insurance company just give us money for the damage and we can replace with what we want or do we have to replace with wood floors? As I said earlier, I have never had a claim before, so I am not sure how this works.
We are also in the market for a new dishwasher. If you recently bought one and love it, please chime in!
Thanks in advance for your help.
Later on, we noticed the wood floors in the kitchen were bowing and warped. There is probably 1/4-1/3 of the kitchen with warped floorboards. It is pretty noticeable.
I called the insurance company this morning to inquire what we should do. We have to get an estimate and decide if we want to file a claim. Our deductible is $1450. I am pretty sure the damage is much more than that. We have never had a homeowners claim and he said that one claim would not cause a jump of our premium, so I am not concerned about that.
This is my question: our home is about 7 years old. I am not sure how easy it will be to match the flooring. I want it to match of course. Will the insurance company replace the entire wood floor that extends into the powder room bathroom? How does this work exactly? We are considering tile or permastone instead of wood floors in that I am not crazy about wood floors with a dog. Will the insurance company just give us money for the damage and we can replace with what we want or do we have to replace with wood floors? As I said earlier, I have never had a claim before, so I am not sure how this works.
We are also in the market for a new dishwasher. If you recently bought one and love it, please chime in!
Thanks in advance for your help.