Water damage - Insurance claim

[Monica R.]

Hello,

this is my first post here and I hope somebody in the same situation can help me with an answer or an advice.

We had water damage in a rental property, opened a claim with insurance and I am dealing with this nightmare for the last 2 weeks.

- Pipe was repaired and rerouted. I paid myself the pipe bill, and now I am trying insurance to pay me back.

- dry team bill was sent directly to the insurance

- insurance adjuster said that they will send me a check , that will cover for the floors and a cabinet repair.

- tenant went to hotel for a day and now moved out of the house until we fix it.

Questions:

1. loss of rent - is this covered in my insurance? Can I pay back the tenant for the days she is out? she is still paying me rent. The insurance guy doesn't want to answer to this question. Is it a mistake that the tenant is still sending me money for rent?

2. water bill for the last 2 months is close to $600. is this covered by insurance? (the difference from a regular month). Wrote already to the water company to see if they can do anything.

3. Tenant went to a hotel for $200 and sent me the bill. Do I pay it or insurance should pay it?

4. floor repair - can I do it with an independent guy or do I need to show or send invoice to insurance. My handyman cannot provide invoice to me.

Thank you and appreciate your help.

Monica