Home & Garden

Water damage flooring insurance claim

  • Last Updated:
  • Dec 7th, 2017 3:49 pm
[OP]
Jr. Member
Feb 12, 2005
132 posts
3 upvotes

Water damage flooring insurance claim

I recently had water damage to my condo flooring and the insurance originally sent Belfor restoration to do the estimate. I read their reviews online and decided against using them for the repairs. However I've called a few other restoration companies and they all advised that they don't do repairs unless they perform the initial emergency services. My question is whether it would be safe to use a general contractor to have the repairs done? My concern is if there is any mold build up underneath the laminate/carpet, whether a general contractor would be able to sufficiently clean it, although from my understanding Belfor contracts the repairs out to a general contractor anyways.
7 replies
Member
Nov 28, 2007
251 posts
27 upvotes
You can use Belfor, they are major player in the insurance restoration business.
Usually your insurer will guarantee the work completed by their preferred contractor, so if you notice any mold or any other damage after some time has passed, the insurer should be able to have that fixed.
Deal Addict
Dec 31, 2007
3853 posts
549 upvotes
Richmond Hill
Personally i did not go through the insurer for the work. Have read too many horror stories with that, despite the "guarantee the work" claim.

I had water damage from a kitchen flood. Took the payout and got my own contractors, treated it as an upgrade. The mold part you can deal with by bringing in mold removal companies. Once that's all clear, it's just any other remodel.
[OP]
Jr. Member
Feb 12, 2005
132 posts
3 upvotes
enwhyRFD wrote:
Dec 7th, 2017 1:47 pm
Personally i did not go through the insurer for the work. Have read too many horror stories with that, despite the "guarantee the work" claim.

I had water damage from a kitchen flood. Took the payout and got my own contractors, treated it as an upgrade. The mold part you can deal with by bringing in mold removal companies. Once that's all clear, it's just any other remodel.
The floor laminate is currently still intact. Would I hire contractors to rip up the floor then have a mold removal company check for mold? Or do mold removal companies have technology to check underneath the laminate?
Deal Addict
Dec 31, 2007
3853 posts
549 upvotes
Richmond Hill
FOS wrote:
Dec 7th, 2017 2:26 pm
The floor laminate is currently still intact. Would I hire contractors to rip up the floor then have a mold removal company check for mold? Or do mold removal companies have technology to check underneath the laminate?
It may look intact, but I would really question whether that is truly the case.

That's like saying, hey, I dripped some water on my paper towels, but now it's dried off and it looks fine. I'm pretty sure it's not fine.

IMO I would replace the laminate. And since replacing = ripping up the floor, the mold removal company will have access to it. And no, the mold removal company won't remove the laminate themselves, nor do they have anything to test underneath.
Deal Fanatic
User avatar
Sep 21, 2010
7570 posts
1017 upvotes
Toronto
I'm assuming that this is the builder's/condo mgt's insurance, and that the flooding's not your fault? I think to play it safe go w/ them, that way, if anything screws up, you can continue to claim against them.
[OP]
Jr. Member
Feb 12, 2005
132 posts
3 upvotes
enwhyRFD wrote:
Dec 7th, 2017 3:20 pm
It may look intact, but I would really question whether that is truly the case.

That's like saying, hey, I dripped some water on my paper towels, but now it's dried off and it looks fine. I'm pretty sure it's not fine.

IMO I would replace the laminate. And since replacing = ripping up the floor, the mold removal company will have access to it. And no, the mold removal company won't remove the laminate themselves, nor do they have anything to test underneath.
Sorry I should be more clear. I fully intend on replacing the floor, I was only stating that the original Belfor inspector didn't rip my floors up so they are still intact. I just wanted to know if I'd have to arrange for the mold specialist to come during the renovations as I assume most contractors will want to rip the floor up and not have to wait for a specialist. But it sounds like I have no other choice. Thanks for the advice.

Also, this is under my insurance policy as the leak sprung from a faulty bidet.
Deal Addict
Jan 25, 2007
2980 posts
822 upvotes
Paris
I would be clear with Belfor as to the scope of the work just as with ANY contractor as to what you expect them to do, including mold testing and removal if it exists. Just because insurance is paying the bill doesn't mean this should be treated any differently than if this was your own money and contract you were doing. Make sure its all written down and hold them accountable.

I do lots of break-in door repairs and I treat it the same as any other contract.
Gbill2004: Thanks but I'll just smell the couch before/if I buy it.

jonnyb: I go in there like PICASSO and toss the glue everywhere, I don't care what house I'm on.

Top