![]() ![]() Also, be sure the contract does not contain any arbitration clause that prevents you from filing a claim or complaint wit the Dept of Insurance. If so, then they move on to the investigation. That's the first thing the Dept of Insurance will do, they will see if coverage exists in the first place. If you choose that route, then make sure you review your contract carefully. A mold remediation report will include the company credentials, a scope of work, their testing methods, their findings, and a certificate of inspection/findings. That's what you are looking for, a report of inspection, not a biased bid from a contractor, or from your insurance company. There are experts who will provide an independent 3-rd party inspection. The department will open an investigation and determine a) if the claim was covered under your policy, b) if the insurance company wrongfully denied the claim. If you believe the claim should be covered, and you provide the department with independent reports, then you have a strong claim. The reason for the reports would be to support a complaint filed with the Ca Dept of Insurance. If the insurance company does not pay, you may consider filing a complaint wit the Dept of Insurance. I'd plumb water to the toilet while it's sitting on the patio and see where water comes out. Unless you had a flapper valve leaking that was constantly filling the bowl, and consequently filling the sewer line past the wax ring due to the blockage downstream, the proposed scenario is relatively impossible. I can run my finger over a tank bolt rubber washer and it turns my finger black and clouds the water after a couple years. ![]() I'm not sure of the water quality where you are, or if it even matters, but I've noticed that the "rubber" we seem to get today (tank seals, tank bolt washers, faucet valve seats) is shit and seems to dissolve in water over the course of a few years.at least here in Long Beach. I noticed a soft floor one day and it took a bit to figure out where the water was coming from. This went on for a few years because it's a spare bathroom and very rarely used. I had one (outta the box, new unit) fill the tank to right at the flush handle hole.if someone walked through the house within 10 feet of the bathroom door, it would cause a drip out from the non-sealed flush handle hole in the tank. I've seen toilets fail in several interesting manners. You can set your toilet in the driveway, fill up the bowl (to the usual level) and the tank and no water will come out the bottom. Your toilet has a trap in it to make a water seal and keep the sewer gas in the sewer. If the wax ring seal was bad.it only becomes an issue when water has filled the sewer pipe and is standing higher than the level of the wax ring.which could happen with a clogged sewer, but only after you've flushed it.Įither (A) this didn't happen while you were out of town or (B) the wax ring / clogged sewer was not the cause. Any suggestions are appreciated.Ī failed wax ring cannot fail in that manner. Any advice on how to handle it? I had the crew that did the demo and is cleaning the water out do a report with their findings and opinion on the source of the problem. Has anyone had similar experience where their claim was denied? Did you have to get an attorney? I know it is not a huge money loss but certainly a lot more then my deductible. Water was leaking for maybe 5 days total but was not visible because it was under the toilet and had not caused immediate damage to the garage roof.Įverything I Google search indicates this should be covered by insurance when a wax ring fails under the toilet. I have not ever filed an insurance claim in 35 years and when I started the claim with GEICO the adjuster said this was not a sudden and unexpected event and water had been leaking for a long time. Initial damage estimate around 6500 so not that bad. ![]() They determined that the wax ring under the toilet had failed due to a soft blockage and advised me that this was a covered area for insurance. I had a plumber and clean up crew come out and they had to do some demo and put these big de-humidifiers up to dry out the affected areas. I went up to the bathroom above and could not see any visible water leaks so I guessed that maybe a pipe had burst inside the subfloor and turned my water off at the main. I felt it and could tell there was a lot of water inside the subfloor between the first and second story. We were in San Diego for 4 days for kids soccer and when we got home, noticed a portion of the drywall roof in the garage was bowed out. Just wondering if anyone else has been through a situation like this.
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