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  • Aug 15th, 2020 3:38 pm
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[OP]
Member
Jul 13, 2019
266 posts
83 upvotes

covered ?

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 "
14 replies
Deal Fanatic
Jan 21, 2018
6542 posts
6845 upvotes
Vancouver
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?
[OP]
Member
Jul 13, 2019
266 posts
83 upvotes
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
Deal Guru
User avatar
Mar 23, 2008
13002 posts
9928 upvotes
Edmonton
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
[OP]
Member
Jul 13, 2019
266 posts
83 upvotes
CNeufeld wrote: Why isn't your brother in law dealing with this?

C
their English isn't the best lol
Deal Expert
User avatar
Jan 27, 2004
48361 posts
11648 upvotes
T.O. Lotto Captain
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*
[OP]
Member
Jul 13, 2019
266 posts
83 upvotes
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
[OP]
Member
Jul 13, 2019
266 posts
83 upvotes
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.
Deal Addict
Mar 3, 2009
1250 posts
667 upvotes
Ottawa, ON
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?
[OP]
Member
Jul 13, 2019
266 posts
83 upvotes
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
[OP]
Member
Jul 13, 2019
266 posts
83 upvotes
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?
Deal Addict
Jan 1, 2017
1741 posts
1704 upvotes
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.
[OP]
Member
Jul 13, 2019
266 posts
83 upvotes
ProductGuy wrote: Should have been up to the condo property management to identify where the leak is coming from.
agree then bill accordingly

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