Lunches Packed? Check! Breakfast Served? Check! Kids out the door and off to school? Check! Dog is fed? Check! Plants are watered? Uh Oh! In our busy lives, we try to keep everything in check, but sometimes we get so distracted, we might forget that the houseplants you put in the bathroom sink to water, has now overflowed. It happened to our client Kathy. The daily routine is chock full of responsibilities. Kathy was in a hurry to get those chores accomplished so she could meet up with her walking group before they headed out. The plant in the sink stopped up the drain, and Kathy forgot to turn the water off. The sink filled up and overflowed. Spilling onto the floor, and seeping into the ceiling of her neighbors below. When she returned from her morning walk, she was embarrassed to find that she had left the water on and caused all this damage.
She contacted us to report the claim, and we dispatched a remediation service to help out. Since there was no plumbing leak, the water source did not need to be turned off. The remediation service arrived and immediately starting extracting the excess water. This is called mitigation. Per the renters insurance policy contract, mitigation is your responsibility, and you are free to take any action that may reduce the time element and cost of the claim. In this particular situation, there was no damage to any of Kathy’s contents. The only damage was to the floor and ceiling below as well as some of the tenant’s belongings in the unit under the rain. Fortunately there was no deductible on property damage liability, so this situation did not cost Kathy anything. Once the water was extracted, the remediation company installed some higher powered fans to continue the dryout. Our adjuster arrived at the scene and began to estimate the damage. Kathy was responsible for the damage, but is not the owner of the property, so she would not be the person deciding on the contractor, and what repairs were to take place. So even though we have property damage, this type of claim falls under liability. The landlord met with the adjuster and was awarded a settlement for their loss. Demolition and repairs were completed and everyone was fully satisfied. Without renters insurance, Kathy may have had to pay for all the damage herself. All in all, the cost for remediation, reconstruction, and contents damage, was well over $30,000.