Looking for Advice after Basement Flood

Puffy Lux
Better water better life

I left for holidays and the day after we left we received a call from our house checker that the basement had flooded.

LA Series

Fast forward to today. All our floors/carpets/trim/doorways are ruined. Our drywall needs replacing, as does our hot water tank, furnace, washer and dryer.

My basement contained a BUNCH of my expensive electronics (game consoles and peripherals, audio equipment, my gaming PC) and a bunch of furniture.

Tomorrow we are going through what needs replacing. Some of the electronics were elevated above ground BUT their power cords were sitting soaking in the wall.

How should I determine what does and doesn't need replacing?! What if an item works for like a week then gives up?

Need advice/tips from anyone who has dealt with this!

Thanks!

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Negotiating a settlement after collision

Better water better life
Puffy Lux

Hello,

LA Series

I was involved in a collision, while I was the passenger of a UBER vehicle. I live in Canada and was on vacation. We were rear ended and the person that hit us was deemed 100% at fault.

This was a serve collision, se were rear ended on the interstate while traffic, completely stopped, totalling our Uber vehicle and resulting in neck injuries/back injuries for myself. (Along with 3 other family members)

I had an insurance company on behalf of the person that hit us, wanting to settle the claim.

I recently had an MRI scan done, and am waiting for the results. At this point, a doctor says all I have is a bulging muscle.

I’m worried about a settlement because I had to take off 400 + hours of work so far, my quality of life has diminished (hurts to bend over, stand, sit, for long periods) I have a physically active job, which I struggle to go to.

How am I able to put a price on this while negotiating with a insurance company?

I lost over $10,000 in wages, a $10,000 vacation ruined, will likely need more time off in the future, unable to work overtime, unable to do workouts etc. I’m not crippled, but am in near constant pain. What if I can’t go into work due to my pain being so bad?

I’m just looking for advice on what the best thing would be to do, or a settlement amount that is typical and I should expect?

Is it always worth it to consult with a lawyer?

Thank you very much.

submitted by /u/redditwinnipeg
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Are there any benefits to being on a family plan vs individual after getting married?

Puffy Lux
Better water better life

My husband and I both work in the same industry at similar companies, we both get health insurance paid through our respective employers and they’re largely similar.

LA Series

We just got married in Feb, I hadn’t really seen a need for either of us to switch.

Now I’m pregnant, so I figure we‘ll just weigh the pros and cons of each to decide whose would be the option.

Is there anything I’m not aware of that would make it better to have the 3 of us all together on a single plan and for 1 of us to forgo their employer’s vs staying on our individual ones?

submitted by /u/jackjackj8ck
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Need advice after being rear ended

Better water better life
Puffy Lux

Hello,

I'm hoping to get some solid advice. This is the first time I've been through something like this and it is really stressing me out. This whole thing has been a goddamn mess and probably the worst month of my life.

I was rear ended on 7/10/19. Police report was filed, and the other party was at fault. This takes place in Iowa, USA.

I went to the ER and had tests done, was diagnosed with whiplash. Doctors also found a 'nodule' in my throat that they referred me to a specialist for. More on this mess later.

The other party's insurance offered:

  • Cover the cost of repair to my vehicle
  • Previous medical bills related to the accident (ER visit)
  • Future medical bills – up to 60 days after the accident, or $2,000 max.
  • A lump sum of $1,000 for "Lost wages, pain, and inconvenience"

I am planning on getting the car fixed. I've done a good amount of research on this and believe I will come out okay in that aspect.

As for the medical and lost wages/pain/inconvenience, this is where I really need advice. I've already contacted a few personal injury lawyers and most are not interested in taking the case.

Back to the previously mentioned 'nodule' that the ER found in the initial visit:

  • ER doctor referred me to an Ear Nose and Throat specialist to get it checked out. I took time off work to go to this appointment, only for him to tell me that I was seeing the wrong doctor. I needed to go see a pulmonary specialist. He insisted that he treat me anyway.
  • I called the ER and got referred to Pulmonary. I took more time off work to get to this appointment. Turns out the 'nodule' was gone and nothing is wrong with me.

My question about this- Would it be out of line to ask for the at-fault party's insurance to cover these visits? It's upwards of $2,000 + lost wages. The way I see it is, I would have never gone to see these specialists if I had never been rear-ended. I can't say for sure if they were directly related to the accident though.

Lost wages/pain/inconvenience:

So they offered $1,000 lump sum. I feel like this is a slap in the face.

  • I've been in pretty constant pain since the accident. I like to think I have a pretty damn high pain tolerance, but it hurts for me to even sit down at my desk and work. It also hurts while driving. I've lost sleep most nights just due to stress and pain. Few things to note:
    • My Chiropractor that I trust is a ~60 minute drive (one way)
    • Family doctor is also a ~45 minute drive (one way)
  • I've been in and out of the office an absurd amount of time since the accident. I'm very fortunate that my boss is extremely understanding. Not only have I missed a ton of work, but I've needed to come in on the weekends/stay late to make up for my lost time. (Would I disclose coming in to work late to make up hours? Would this hurt my case?). I have also missed out on some random jobs my landlady was planning on having me do for her.
  • All of this has put a ridiculous amount of stress on myself and my relationship. I'm anxious about my image at work being affected, my performance has definitely dipped. I've lost sleep. Even just sitting just to play video games (my normal relaxing hobby) hurts sometimes.

If I'm trying to negotiate with the insurance agent, do they have a ceiling on how much they can pay out? Do I need to ask her to send me to someone higher up? I would really appreciate some help negotiating with the insurance.

This is all completely new and kinda scary to me. I'm seeing all these medical bills rack up, my s/o have been on the rocks ever since this stuff started happening, I'm worried it's affecting my job, etc.

Please don't hesitate to ask more questions. I'm coming here because I don't have (or know of) a whole lot of resources. I'd appreciate any detailed feedback you can provide.

Thanks!

submitted by /u/jorjorbiinks
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Insurance offered lump sum payment for water damage 3 weeks after incident. Should i be skeptical?

Puffy Lux
Better water better life

Backstory: Early last month we came home to a flooded house. Concrete slab no basement. Most of the main floor was covered in two inches of water. Insurance company found people to clean up the damage but its been nearly a month since the incident. The work finally was finalized to begin next week and the day after that, the insurance company called and offered a lump sum if we wanted to repair the damage ourselves, which we are capable of doing (did this work the first time when we bought and renovated). The concerning part is the amount of time that has passed since the incident. We did some work removing the floors in the wettest areas at the beginning to try and minimize the damage but weren't feeling like having no floors for 3+ weeks so we figured we would let the remediation company deal with whatever we couldn't. Are they trying to get away with something here? The initial damage was assessed at 18k (3 weeks ago) and the insurance company offered 21k to allow them to walk away from this and have us deal with it. Had we been offered that at the time of the incident, we would have been more inclined to accept. Now with the amount of time that's passed im not as comfident with that value, considering the potential for mould that now exists compared to initially. Any insights or opinions would be fantastic. Thanks all!

	 GlacialPure Filter for Frigidaire WF3CB, PureSou

submitted by /u/incompletewor
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Still no EOB for dental work after 5 months

Better water better life
Puffy Lux

For more context; another post I made 4 months ago: https://www.reddit.com/r/Insurance/comments/b6stu2/still_have_not_received_eob_for_dentist/

I'm still waiting to receive any sort of notification that the claims filed by my dentist office have been processed or received…or denied, I guess. I went into the office to speak to the receptionist at the time of writing that first post I linked to and it did seem like they filed the claims since they confirmed that they didn't hear anything back from insurance yet. They mentioned they would call them. I haven't heard from the dentist's office so I assumed everything was fine. However…we've passed 5 months at this point since I had the first round of dental work done and still have not received an EOB. My insurance is my father's and is through BCBS of Texas. All the forms/paperwork I've received from the dentist listed my provider as Anthem BCBS, but a comment on my first post suggests that's normal.

The dentist is in-network; I confirmed this with my insurance company. Per their contract, they are supposed to file my claims. What do I do? I don't know if this is typical, but it's starting to feel like it's not. My brother has had extensive medical work done over the past several months and I can see those claims listed on my dad's BCBS account online, so I don't know why my dentistry work isn't showing up or why I haven't received an EOB yet for my three separate appointments.

submitted by /u/vcrshark
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CA: Do I pay landlord’s deductible after fire that wasn’t my fault?

Better water better life
Puffy Lux

submitted by /u/trialithic
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Uninsured accident after my policy was terminated.

Better water better life
Puffy Lux

On the 4th of July, I was getting off an exit on the highway and looked to my left to merge onto the main road. Traffic was clear and as I brought my attention back towards my windshield, I almost shit myself seeing a car completely stopped 30 feet in front of me. Brakes weren't able to avoid the bumper so we pulled over and exchanged information. The damage on her car didn't look too bad, just a banged up bumper. I called my insurance company to get my policy number, as I didn't have my card yet (first red flag). After being on the phone for what seems like an hour I finally got a hold of my policy number. I also found out that it was useless, as they terminated my policy a week before the accident. I sat down completely defeated, and the fireworks definitely were not helping. They told me that it was terminated due to missed payments, though my agent told me my EFT was good to go. My girlfriend ordered us an uber to take us home as in the state I live in they tow your car if your caught without insurance. The next day I went to the DMV to pick up my car. I called the insurance company to see if they would reinstate my policy. Of course the answer was no, but it wasn't due to missed payments. There was an underwriting issue where they needed a copy of my parent's old policy, as I drive my dad's old truck. My agent initially told me that I was good there too, but to be fair he did reach out to me. The insurance company did as well, my roommates and I just never check the mail. After learning this I called my agent and he quickly got me into a new policy. After dropping a cool $750 to get my car back, I thought I learned an expensive lesson. That's just pocket change to what I owe now. Geico was the insurance company that the dealer chose for their insurance (the woman that I hit was driving a car from a dealership), and they reached out to me and told me that they would involve me in the process. Bullshit. They sent me a bill from a collections agency named Claims Resource Services for $3,600 dollars without reaching out to me once, ONLY 3 WEEKS after the accident. I know everything thats happened here could have been avoided had I just been proactive and made sure everything was in working order. I'm not blaming anybody but myself for this. But I would like some pointers since obviously I'm not well-versed in the world of auto-insurance.

Roses

TLDR: Insurance policy termination went unnoticed by me and my ignorance, and I have to pay for a fender-bender out of pocket.

submitted by /u/brycemcbrd
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Landlord’s insurance company is coming after me for damages

Puffy Lux
Better water better life

About half way through leasing a townhouse, I installed a floating shelf on the wall. I measured everything and used a stud finder to drill the pilot holes and sink the screws. Everything went fine. About 3 months later while moving out, I was taking out one of the screws and a water pipe behind it started gushing water. Apparently the screw had not hit the stud but instead punctured the water pipe right next to it and plugged the hole for several months. I turned off the water immediately and began cleaning up the water that had collected on the ground and between the paint and drywall. Some water also got down to the garage below. I contacted the landlord immediately and he coordinated a plumber and water clean up crew to take care of any water that might be in between the walls and floors. The landlord was very understanding that it was kind of a freak accident and could’ve happened to anyone. My renters insurance doesn’t cover water damage (I didn’t know this at the time) so he made a claim to his homeowners insurance. He paid his deductible, returns my damage deposit for some reason, and we went on our ways. Fast-forward several months and I’m at a new apartment. His insurance sends me a large packet in the mail claiming I’ve been found at fault for the damages and am responsible for over $4,000 repayment. My renters insurance has confirmed that they will not help in any way. I actually talked to the landlord about it and he was completely surprised that they contacted me and he himself hadn’t heard from them since he made the claim. I’m not sure if this is the place to ask about this, but do I have recourse against this? I put a screw into the wall which is a customary thing to do as a tenet. I genuinely thought I was drilling into a stud which was within an inch of the pipe. The pipe in question was situated very close to the drywall, close enough for a screw to puncture. I understand the insurance is looking for someone else to pay up, but seems very unfair (not that they care) to hold me responsible for what seems like a ticking time bomb waiting for someone to hit. Will the insurance company pursue litigation over this? I can’t currently pay 4 grand with a baby on the way next year and about $500 in savings. I’m looking for any advice, and hopefully this is an ok sub to post in. Thank you in advance!

submitted by /u/mathliability
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Does private insurance ever go after businesses?

Puffy Lux
Better water better life

My kid fell and hurt her arm at a privately owned business that caters to kids. Kind of like a daycare. This resulted in an ER visit and a cast. I have no interest in holding them accountable as I do not believe them to be negligent.

GlacialPure Refrigerator Water Filter for Whirlpool Filter 1 EDR1RXD1 W10295370 2 Packs

I have private insurance through my employer which covered the visit. I'm just wondering, would insurance have any reason to go after the business? I would just like to let the business know I'm not planning on filing anything with them because I'm assuming they are probably concerned that's a possibility, but I didn't know if there's any reason for my insurance to go after them without my initiating it.

Thanks for your thoughts

submitted by /u/YoungishGrasshopper
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