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.
- Make our own arrangements and hire contractors for water mitigation and home repair and replacement of our damage.
- 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.