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Old 03-09-2009, 04:09 PM   #1
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I just got back from Florida and walked in to our back bedroom. I opened the door and stepped foot on soggy carpet. I looked in the half bath and the toilet had been over flowed (for how long I do not know) and the carpet in the bed room was soggy.

I went underneath the house in the craw space to see if any pipes had burst because when standing in the hallway near the air vent I could hear what sounded like trickling water. Underneath the craw space I immediately saw some water along with the big air vent hose laying on the ground (different from how it normally hangs from the top of the craw space.) Upon trying to lift it up I find that it is completely filled with water. So much water that it is hard to lift it up.

Any opinions about what the hell is happening under my house is appreciated. Iím freaking the hell out!

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Old 03-09-2009, 04:14 PM   #2
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hello and welcome to the forum.
the water most likely went down a heat duct and filled a tube and the weight ripped it down. sorry to hear of your problem after what was no doubt a nice vacation. you need to find and stop the leak first! shut off the main water until you figure out what the problem is.

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Old 03-09-2009, 05:08 PM   #3
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Call your insurance agent. They will send someone that will immediately deal with any flooding situation caused by pipes or whatever. And they pay them directly. Then they will do an estimate for what needs to be repaired or replaced.
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Old 03-09-2009, 06:03 PM   #4
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Actually, BEFORE calling your agent, stop the leak and asses the damage first! As one living here in Florida where damage often occurs, make sure that any possible damage well exceeds your deductible. Too often I have seen home owners file a claim only to have their deductible not, or barely meet the claim, but yet later have their rates increase drastically. I assume by now you have figured out the cause of the water... possibly a faulty float on the commode? Whatever, it really does not matter if you can effect the repair yourself. If drying the carpet and floor can not be done with blowers/heaters (often commercial types can be rented ) then contact your agent. I would hate to see you pay a $1500 deductible to have your ins co pay $2000 for the same that you could do yourself, and then have them increase your rates x$ per month. It may be that you DO need to have them fix the problem, but don't jump the gun.
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Old 03-10-2009, 05:35 AM   #5
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I guess insurance companies are different. Mine fixed the water situation and dried everything out so things were not further damaged the same day we called. No Change.. no deduction. Then a week later the estimate of what they will pay came in. Estimates were higher. Before the project was started they paid their estimated amount less our deductible. After the project was finished they paid the the amount that was actually paid less what they already paid.
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