Flooded neighbours below but have no insurance
Hi all
I've recently (a month ago) moved to a new apartment. And I was a bit sloppy in getting insurance, because I wanted to transfer my home and auto insurance all together to new apartment, instead of calling two times.
But as it always happens, laziness is punished. Laundry started leaking after 3rd wash. We did not notice it at first. We did not have any water in our apartment, and management could not find out where it came from. But after several washes leak appeared again. This time we had some water in our apartment. We mopped a half of bucket, but apparently some water went all the way to neighbours below. Anyway, I did not have insurance at that time. Now I got an estimate from some contracting company that management hired.
This is how it looks like:
Scope of work:
Unit XXX.
Cover the kitchen, living and dining room with plastic.
Remove the damaged ceiling drywall.
Install new drywall on the ceiling.
Apply tape and three coats of plaster.
Prime and paint the entire kitchen, living/dining room ceiling with matching colour.
Clean up.
$2,850.00
Main Lobby Ceiling.
Cover the working area with plastic.
Remove the damaged ceiling drywall.
Install new drywall on the ceiling.
Apply tape and three coats of plaster.
Prime and paint the ceiling with matching colour.
Clean up.
$2,200.00
Subtotal $5,050.00
HST 13% $656.50
Total $5,706.50
Total $5,706.50
1. I don't have such money at the moment, because everything went towards downpayment.
2. It looks like too much for fixing and repainting ceiling in 2 rooms. And it looks a bit confusing that they include repainting of all walls.
What can I do in such situation?
I've recently (a month ago) moved to a new apartment. And I was a bit sloppy in getting insurance, because I wanted to transfer my home and auto insurance all together to new apartment, instead of calling two times.
But as it always happens, laziness is punished. Laundry started leaking after 3rd wash. We did not notice it at first. We did not have any water in our apartment, and management could not find out where it came from. But after several washes leak appeared again. This time we had some water in our apartment. We mopped a half of bucket, but apparently some water went all the way to neighbours below. Anyway, I did not have insurance at that time. Now I got an estimate from some contracting company that management hired.
This is how it looks like:
Scope of work:
Unit XXX.
Cover the kitchen, living and dining room with plastic.
Remove the damaged ceiling drywall.
Install new drywall on the ceiling.
Apply tape and three coats of plaster.
Prime and paint the entire kitchen, living/dining room ceiling with matching colour.
Clean up.
$2,850.00
Main Lobby Ceiling.
Cover the working area with plastic.
Remove the damaged ceiling drywall.
Install new drywall on the ceiling.
Apply tape and three coats of plaster.
Prime and paint the ceiling with matching colour.
Clean up.
$2,200.00
Subtotal $5,050.00
HST 13% $656.50
Total $5,706.50
Total $5,706.50
1. I don't have such money at the moment, because everything went towards downpayment.
2. It looks like too much for fixing and repainting ceiling in 2 rooms. And it looks a bit confusing that they include repainting of all walls.
What can I do in such situation?