I'm so sorry to hear this!! I hope they get the repairs done quickly for you!!!

We had a water leak in a pipe in the ceiling of my family room last year. Insurance paid to fix everything but the actual repair of the pipe. Of course, we redid a lot of other things at the same time, cause, you know...... If you have to replace that floor, might as well do the rest. And of course you can't have a newly pained room without doing the hall and bath and laundry room that are all connected. We spent a fortune, that we had not planned on spending all cause of a stupid little leak!!!! Everything looks great now and I have great new cabinets for my fabrics and a new bathroom downstairs, but I will be paying for it for the next several years.

Oh Dear, I feel your pain.

When we moved to the country we had to get used to living with a well (well, that's another story). One day we came in and things went splish splash. The washer never shut off. Turns out that DH was bothered by having to clean out the little screen in the hose, so the brainiac decided to leave it out. A small rock had found its way into the sensor.....I got new flooring and we were too embarrassed to call the insurance. :oops:

What a mess. Insurance companies have a number of reasons for not paying yet expect our premiums on time. Sigh!!!!

If the repair is less than the deductible- don't turn it in as a claim. Reason- it will show up as a claim for years in the future and your premium will skyrocket.

I recently changed homeowners (which you should shop around every few years) and found a claim had been filed on my homeowner's. It was not mine- I hadn't had any damage. It was for my brother's house after he died- but the bills came ot me at my address so they put it against me. I was put in the "high risk" catagory. Guess what- friendly agent I had never told me, I owndered why my premium went double. She never called to question it. So I went elsewhere for a quote. I saved almost $2K in car insurance but they couldn't do anything on the homeowner's but override the high risk with the reason.

Oh- any insurance co. can now see the history on an address for claims. They will follow the address, not the person.

Oh my sorry to hear that. I had my basement flood this spring after living there 10 years and not one stitch of water. Turns out the main sewer line was clogged and I didn't have a Y in the pipe for a snake out, and insurance wouldn't cover either. TICKS me off to no end, but if I paid an extra $200.00 per year for the last 10 years I would have been covered for sewer back up. errrrrrrrrrr

Im sorry for that. Im sure you have your insurance, the company will cover that up, But its a lot of money. Just be sure that the problem at the kitchen will be fixed and never again give you problems. Sorry man.

I just had the same thing happen in Feb. and our AAA insurance covered everything over the deductible. Pipe repair in the floor, blowers to dry walls - flooring, etc. it was over $20,000 since it was our family room that got the most of the water. I had no problems with the insurance co. at all. They had a disaster relief crew at our door within a couple hours of the call.

In So Cal we had the main kitchen drain severed by the Northridge earthquake. The house went back and forth and the drainpipe split but ended up with both pieces lined up perfectly. We noticed a damp area on the concrete walk several times over a few moths before we noticed the paint flaking off the stucco. And the wet baseboard on the inside.

Turns out it would not leak except with the pressure of the dishwasher dumping. We usually run the dishwasher only a couple of times a week so it took a while to get bad enough to figure out what it was.

The ins agent sent a leak detector who marked the spot to open up the exterior wall and was only 1" off! The insurance paid for everything to be repaired and I actually made back part of my deductible by repairing the interior baseboard and painting a wall myself.

yes it makes you wonder why we buy insurance.
my dishwasher didn't empty once and it cost me $3,000.00 in plumbing fees, even though we had a service policy on it at Sears.sigh!
enjoy your new kitchen floor!