covered ?

Aug 13th, 2020 9:35 am

#1

joyceetal [OP]: Banned; Jul 13, 2019; 317 posts; 97 upvotes

Aug 13th, 2020 9:35 am

will my bro in law be covered for a leak that is causing an issue for the condo unit below?

he was a fool and didn't fix the issue 5 yrs ago when he was notified by the condo ...he claimed the superintendent said he couldn't find an issue so he just let it go ( I don't think superintendents are licenced plumbers ).

additionally looks like his policy won't cover him but just wanan make sure as it says
"exclusions ...repeated or continuous water leakage and seepage "

Aug 13th, 2020 10:44 am

#2

Scote64: Deal Fanatic; Jan 21, 2018; 8959 posts; 9986 upvotes; Vancouver

Aug 13th, 2020 10:44 am

I think you've answered your own question, but in the end it will come down to two things:

1. What will the claim documentation show? If you make a claim with your insurance company, you have to document it with photos, official damage reports and estimates from the condo management and local repair companies. Will they say that, in their opinion, the damage was caused by long-term water leakage and seepage?

2. If the claim is significant, the insurer will undoubtedly want their own local estimator to take a look. What will they discover and report?

Aug 13th, 2020 10:45 am

#3

joyceetal [OP]: Banned; Jul 13, 2019; 317 posts; 97 upvotes

Aug 13th, 2020 10:45 am

Scote64 wrote: ↑ I think you've answered your own question, but in the end it will come down to two things:

1. What will the claim documentation show? If you make a claim with your insurance company, you have to document it with photos, official damage reports and estimates from the condo management and local repair companies. Will they say that, in their opinion, the damage was caused by long-term water leakage and seepage?

2. If the claim is significant, the insurer will undoubtedly want their own local estimator to take a look. What will they discover and report?

yes thanks for confirming ...hopefully the plumber finds that it's not coming from his unit

now trying to find out why this issue took 5 yrs to come up again lol

Aug 13th, 2020 10:59 am

#4

CNeufeld: Deal Guru; Mar 23, 2008; 13006 posts; 9976 upvotes; Edmonton

Aug 13th, 2020 10:59 am

joyceetal wrote: ↑ yes thanks for confirming ...hopefully the plumber finds that it's not coming from his unit

now trying to find out why this issue took 5 yrs to come up again lol

Why isn't your brother in law dealing with this?

C

Aug 13th, 2020 11:33 am

#5

joyceetal [OP]: Banned; Jul 13, 2019; 317 posts; 97 upvotes

Aug 13th, 2020 11:33 am

CNeufeld wrote: ↑ Why isn't your brother in law dealing with this?

C

their English isn't the best lol

Aug 13th, 2020 4:13 pm

#6

UrbanPoet: Deal Expert; Jan 27, 2004; 52019 posts; 16788 upvotes; ONTARIO

Aug 13th, 2020 4:13 pm

CNeufeld wrote: ↑ Why isn't your brother in law dealing with this?

C

The “brother in law”. Is the OP!

New thread idea

“Hi guys... my friend’s brother in law was playing with fire works in the living room. The house burned down. He left the pile of ashes there for 12 years. He never got around to the paper work bc he lazy. Is there any way for him to get his money back?

This is for my friend’s cousin”

“Wait. Didnt you say it was your friends brother in law?”

“Yes! Yes i did...” *shifty eyes*

“Ok they gotta call the insurance company.”

“Okay. I will call them myself! I mean... my cousin will call...”

“Wait... didnt you say it was your friends brother in law!”

“Yes. Thats right. Egg actly.” *shifty eyes*

All my threads are upvote parties! All positive vibe post get upvotes.

+1

Aug 13th, 2020 10:49 pm

#7

joyceetal [OP]: Banned; Jul 13, 2019; 317 posts; 97 upvotes

Aug 13th, 2020 10:49 pm

UrbanPoet wrote: ↑ The “brother in law”. Is the OP!

New thread idea

“Hi guys... my friend’s brother in law was playing with fire works in the living room. The house burned down. He left the pile of ashes there for 12 years. He never got around to the paper work bc he lazy. Is there any way for him to get his money back?

This is for my friend’s cousin”

“Wait. Didnt you say it was your friends brother in law?”

“Yes! Yes i did...” *shifty eyes*

“Ok they gotta call the insurance company.”

“Okay. I will call them myself! I mean... my cousin will call...”

“Wait... didnt you say it was your friends brother in law!”

“Yes. Thats right. Egg actly.” *shifty eyes*

lol nah my bro in law is pretty old and he's a fob ...and hence why im asking around for him

Im in a townhouse in York region if you look at my other threads , foo

Aug 13th, 2020 10:52 pm

#8

joyceetal [OP]: Banned; Jul 13, 2019; 317 posts; 97 upvotes

Aug 13th, 2020 10:52 pm

UrbanPoet wrote: ↑ The “brother in law”. Is the OP!

New thread idea

“Hi guys... my friend’s brother in law was playing with fire works in the living room. The house burned down. He left the pile of ashes there for 12 years. He never got around to the paper work bc he lazy. Is there any way for him to get his money back?

This is for my friend’s cousin”

“Wait. Didnt you say it was your friends brother in law?”

“Yes! Yes i did...” *shifty eyes*

“Ok they gotta call the insurance company.”

“Okay. I will call them myself! I mean... my cousin will call...”

“Wait... didnt you say it was your friends brother in law!”

“Yes. Thats right. Egg actly.” *shifty eyes*

lol nah my bro in law is pretty old and he's a fob ...and hence why im asking around for him

Im in a townhouse in York region if you look at my other thread , foo... concidentally, however , I was inquiring about if I had sufficient insurance coverage

Last edited by joyceetal on Aug 14th, 2020 1:33 am, edited 1 time in total.

Aug 14th, 2020 12:06 am

#9

dr_torch: Deal Addict; Mar 3, 2009; 1895 posts; 1182 upvotes; Ottawa, ON

Aug 14th, 2020 12:06 am

joyceetal wrote: ↑ lol nah my bro in law is pretty old and he's a fob

Maybe I'm too old ... what is a fob?

Aug 14th, 2020 12:16 am

#10

profile: Deal Addict; Jul 29, 2013; 1988 posts; 1770 upvotes; Ontario

Aug 14th, 2020 12:16 am

dr_torch wrote: ↑ Maybe I'm too old ... what is a fob?

Fresh of the boat.

Aug 14th, 2020 1:32 am

#11

joyceetal [OP]: Banned; Jul 13, 2019; 317 posts; 97 upvotes

Aug 14th, 2020 1:32 am

profile wrote: ↑
or maybe I'm too old and using an antiquated term lmao

Fresh of the boat.

dr_torch wrote: ↑ Maybe I'm too old ... what is a fob?

maybe I'm too old by using an antiquated term lmao

Aug 14th, 2020 7:49 pm

#12

joyceetal [OP]: Banned; Jul 13, 2019; 317 posts; 97 upvotes

Aug 14th, 2020 7:49 pm

plumber found no leaks from his unit

Aug 14th, 2020 10:51 pm

#13

joyceetal [OP]: Banned; Jul 13, 2019; 317 posts; 97 upvotes

Aug 14th, 2020 10:51 pm

joyceetal wrote: ↑ plumber found no leaks from his unit

plumber found no issues ...now I'm wondering why it was on the onus of my bro in law to hire the plumber and not the unit below? who I assume is making the complaint ? balance of probabilities?

Aug 15th, 2020 12:40 am

#14

ProductGuy: Deal Addict; Jan 1, 2017; 1826 posts; 1871 upvotes

Aug 15th, 2020 12:40 am

joyceetal wrote: ↑ plumber found no issues ...now I'm wondering why it was on the onus of my bro in law to hire the plumber and not the unit below? who I assume is making the complaint ? balance of probabilities?

Should have been up to the condo property management to identify where the leak is coming from.

Aug 15th, 2020 3:38 pm

#15

joyceetal [OP]: Banned; Jul 13, 2019; 317 posts; 97 upvotes

Aug 15th, 2020 3:38 pm

ProductGuy wrote: ↑ Should have been up to the condo property management to identify where the leak is coming from.

agree then bill accordingly