Angrybird212
New Member
- 5
We live in NY.
2 years ago, the neighbor above our condo unit caused a leak and the floor got damaged. The unit is being rented to a young couple.
We filed a claim directly with the neighbor's insurance company.
The insurance company paid for the full floor replacement (ACV). We signed a release form and received a check.
Our tenant said they could live with the damage and didn't want to go through the construction hustle, so we decided to do the floor replacement after they move out.
Recently the same neighbor caused another leak, and damaged the floor again. This time, the damage is more serious, so we have to replace the floor.
Another neighbor had their floor replaced last year, and told us that it took longer to complete the job then they planned because the floorboards are glued onto the concrete floor (no subfloor).
Apparently the builder used some kind of crazy strong glue.
So, we had the same contractor who did the neighbor's floor run a quote for us. The estimate came out to be twice as much as the amount we got paid 2 years ago.
The insurance company said they wouldn't pay for the damage this time as we didn't fix the floor last time. They can't pay twice for the same floor.
We get that.
However, now we know the amount we received last time is not enough to repair the floor. Do we have to pay the difference out of pocket?
Are we able to push back to get the difference?
We are really screwed if we have to pay the difference out of pocket.
Any advice is much appreciated.
2 years ago, the neighbor above our condo unit caused a leak and the floor got damaged. The unit is being rented to a young couple.
We filed a claim directly with the neighbor's insurance company.
The insurance company paid for the full floor replacement (ACV). We signed a release form and received a check.
Our tenant said they could live with the damage and didn't want to go through the construction hustle, so we decided to do the floor replacement after they move out.
Recently the same neighbor caused another leak, and damaged the floor again. This time, the damage is more serious, so we have to replace the floor.
Another neighbor had their floor replaced last year, and told us that it took longer to complete the job then they planned because the floorboards are glued onto the concrete floor (no subfloor).
Apparently the builder used some kind of crazy strong glue.
So, we had the same contractor who did the neighbor's floor run a quote for us. The estimate came out to be twice as much as the amount we got paid 2 years ago.
The insurance company said they wouldn't pay for the damage this time as we didn't fix the floor last time. They can't pay twice for the same floor.
We get that.
However, now we know the amount we received last time is not enough to repair the floor. Do we have to pay the difference out of pocket?
Are we able to push back to get the difference?
We are really screwed if we have to pay the difference out of pocket.
Any advice is much appreciated.