Plumbing Leak - Public Adjust or Eat it?

[Brandon Cao]

Hi Guys,

Polar Vortex just rolled through [9 degrees with RealFeel -5 degrees] and may have resulted in a clogged drain line (possibly frozen?). The leak went through the 2nd floor tenant's floor, dripped down to the 1st floor and created water seeping along the path of least resistance (i.e. the part that separates the giant drywall pieces). This then dripped on the floor of the 1st floor tenant and into the ceiling of the basement. I'm concerned about the level of insulation (or lack thereof) in the house and may require pipe insulation/house insulation in a four story home. Also, not sure why a drain line would freeze either unless the original builder of 1912 didn't put a proper pitch in the waste line. So that might need to be replaced. I receive a call later from a public adjuster telling me all the pros of filing the claim through his company, should I go to insurance (Allstate) with public adjuster or eat the cost and that of the insulation project? Also, would this increase my premium or ability to get insurance for future properties? Thanks!