All Forum Posts by: Mak K.

So, I have a insurance claim for which insurance made a partial claim but the remainder I have been told will be after all repairs made. Due to Freeze, all contractors are backlog. I have two options:

1> Do the repair myself and pay friends for helping hand as needed. I guess its called sweat equity

2>  Sell house As Is

In both scenarios, how do I go about asking for the full payment?  I called the broker and they are saying if repairs are not made, I cannot cash out the claim as its insurance fraud. It is not making sense to me.

Basically my goal is to cash out the money and then either fix it myself or sell the house out.

For one of the property, sewer backup occurred. Insurance did the plumbing test and outcome was sewer line is belly which needs to be fixed. I have a sewer water backup coverage. But insurance is willing to pay for the damage (sheet rock, carpet etc) but not for fixing the sewer line belly. They are stating the pipe is not broken or leaking hence not covered."Coverage would not extend to taking preventative measures to alleviate the circumstances that caused the problem."

To fix the issue, contractor would have to tunnel 11' feet and reroute the pipe to outside and divert the sewer line. From my understanding, egress labor is covered. (Excavation labor). I have travellers insurance. How do I go about it?

Also the price to fix the sewer line is from $6k to 14k to 25k. Any idea what would a 11' tunnel cost?

I have a water damage claim on a property and insurance decided to shell out $5k (Upfront) initially and $3k (recoverable depreciation) once work is done and invoice is submitted.

If I plan to do the work myself, how does it work? I do not have any invoices to submit to claim the $3k. Do I generate invoice for myself and submit it?

So what was the end of the story? I am facing a water damage and your experience/lesson learn would be helpful if you can please share the insights 

So my tenant says that there was a maintenance being done at the ditch (adjascent) behind the house a day before the two toilets & bathtub got sewage backup. It was gross and water was everywhere from master room, closet and living room. Currently I am working on getting it fixed.

But I would like to know how do i got about investigating if it was something cause by city maintenance issue? How do I investigate. Who do I call to get log book of what they did in my neighborhood. Do I need a lawyer (Contingency basis?)

Anybody had experience in fighting with city when they messed up? How do I prove it is city's fault? I would like to investigate if it was really city's fault?

I am in Katy TX (Houston City). Tenant sent me photos and it looks like a clogged sewer backup issue. The Homewarrnty Landmark says they cannot get to it till Thursday end of the day?  

Also, kicking her out and finding another gambling on another one is going to cost me more.

Tenant was not at home and came at night. They told me that two toilet downstairs overflowed and sewer water is in the rooms. I am still waiting on photos and details.

I have Insurance at $3.5k deductible. Tenant also has renters insurance. I stay away from the property so do not have access physically.

1> How do I investigate and find out if it was tenant fault they clogged the toilet or a natural cause.

2> What is approx. cost to clean the lines and clean the carpets? Is it more than my deductible?

3> I have a home warranty ($70 Service fee) which covers clogged toilet. Should I open Home warranty first or open the insurance claim with mine or renters? Will insurance send the person to investigate the issue?

Newbie here so need guidance as I am running out of time.

@Canesha Edwards yes decided to pass it. It was high risk. To me it seemed like city was just waiting to take over the lots as people default on taxes.

@Mak K. I am sorry for grammatical errors on my post. Hate the spellchecks and auto correct on the phones.