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House Flooded, Insurance Claim, Looking for advice!

post #1 of 5
Thread Starter 
I'll try to make a long story short. We just moved into our new house this past weekend, I come home from a Halloween party around 10pm to see water coming out of my front door. Walk inside, theres water pouring out of our fridge like no tomorrow. The water filter inside failed and broke into 2 pieces causing it to flood the house.

There was around 2 inches of standing water throughout the entire house, some of the breakers are tripped some are not. Get most of the standing water up and start to evaluate.

I have renters insurance, so I call them and setup for an adjuster to come out and take a look. My huge dilema is that I'd say about 80% of my electronics work, but that dosnt take away from the fact that most of their power bricks, AV cords, and other accesorries were sitting in standing water. My girlfriends laptop shocked her when she plugged it into the wall as well. Both of my PC's were sitting in water, and both of which have intake fans on the bottom, they also both work, but lord knows all the moisture/water that was sucked up into the case can't be good for it.

I'm just scared the insurance company is going to try to shaft me because they still work, but what If they stop working 2 weeks later im just SOL ?? I want them to replace ANYTHING electronic that water even touched, I just feel like they will do anything to not do that. Our household is OCNers at its finest, 3 high end PC's 3 high end laptops, 3 xbox 360's, 2 PS3's, Home theater, the works.

Anyone ever had to deal with a situation like this ? Or have any experience as to what I should do ? Sorry for the long read but I just feel like im going to get the shaft on this deal and I did nothing wrong.
 
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post #2 of 5
Actually my company is working with something like that right now.

We work with a disaster restoration company that is working on a flood job in Pennsylvania. We sent two techs on site and assessed all the damage present. Once there about 60% of workstations, Switches, hardware, etc. were easily assessed as damaged by it's inability to turn on. Written off immediately. However, approximately 30% of pieces of hardware we encountered there had been exposed to moisture but powered on. We had the hardware in question shipped back. Pieces of hardware showed clear signs of water inside the system, power bricks submerged, etc. We documented our findings and showed they were exposed to conditions outside of the manufacturers tolerances of humidity levels. This voided the warranties. With that being established, the insurance company (begrudgingly) accepted that the units were considered Losses.

To sum it up, a lot of the units function just fine but their continued correct functioning can no longer be guaranteed because of the environmental conditions in which they were exposed to.

Here's a rack full of E8500 powered workstations that all work great but are now "Trash". Gee, I wonder what to do with those.....


Edited by UnrulyCactus - 11/2/11 at 11:42am
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post #3 of 5
Thread Starter 
Thank you for the response, I'll be sure to quote some of the information from your post to see if it helps my case.
 
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post #4 of 5
That's a lot of PPD sitting there Unrulycactus!
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post #5 of 5
Quote:
Originally Posted by SDriver View Post
That's a lot of PPD sitting there Unrulycactus!
I know! They all have Quadro 2000 cards too! Have racks and racks of servers collecting dust too! If only I had it my way.... Something my boss said about the electric bill, whatever the hell that is.
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