Finally At Home After the Holidays


What I learned from our recent home flooding…..

After our Cloister home flooded because of a broken water pipe inside a wall we were given two choices by our USAA insurance adjuster.

  1. Make our own arrangements and hire contractors for water mitigation and home repair and replacement of our damage.
  2. Allow USAA to hire contractors to do the jobs.

We concluded that:

  •  If we hired the contractors it would be a one-time hire and we would be forced to rely on each individual contractor’s good will that they would provide timely and quality service.
  • If we allowed USAA to use their water mitigation and repair and replacement contractors then the contractor’s future business with USAA would be at risk if they did not deliver in a timely manner with a quality outcome.
  • We decided to allow USAA to handle the situation with their contractors.
  • We decided not to pay our deductible amount until all the work was completed so the contractors would have some incentive to complete the work in a timely manner. I have learned a long time ago to never give a contractor or repairman any payment in advance but to pay after the work is done.

I think we made the correct choices. Almost everything has been completed except for some minor work and final clean up which will be done on the next workday.

Here is a “before and after” of the results…..finally a new floor

Immediately after our home suffered from a broken water pipe.

Immediately after our home suffered from a broken water pipe.

After replacement by the crew from RITERUG @ www.riterug.com

After replacement by the crew from RITERUG @ http://www.riterug.com

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