I just claimed one water leak from drain pipe in kitchen
Everything normal in kitchen. A breakage just under subfloor.
My deduction is $500. Don't know mitigation cost (where can I buy one heater air fan?)
Repair cost over $20k. Plumber think the floor settle put stress on the pvc pipe and caused the breakge.
Allstate paid my 80% before the repair started. tile could not match so all the tiles will need to be changed.
laminate floor could not get match so I guess the cost is to change the laminated floor of the whole room.
The mitigation company wanted to break granite countertop but I insisted saving them. They had granite company that came and there was a chip at a corner.
I need to save some on repair so I can pay for insurance premium increase. Allstate is quite good on a few claims I made over the 10 years.
这几天正好有个房子，由于下水道堵塞引起的问题，需要修车库，因为我还不知道具体的维修费用，不过我还是先给保险经纪打了个招呼，告诉他我还没有维修估计，如果维修低于2000我就不会报了，他说低于3000他也不会报，主要是报的话， 一是麻烦，二当然是以后保险可能会增加。
保险，主要是保无法承受的损失。除风灾以外的其它灾害，deductible一般是1000， 2500， 5000。我一般会选deductible最大的，但并不是所有保险公司有这种选择。比如， 如果有的话，我都想选1万，但我没发现有保险公司可以到1万的deductible。
风灾的deductible一般是percentage， 1%~10%。但有的贷款公司要求deductible不超过5%，我一般选5%。
这里想poll一下大家， 大家认为损失超过deductible 多少才应该报保险？我不是问deductible应该多少。
比如，我的这个房子是个Condo， 是Condo险，deductible 只有500，但最大只保1万，这也是 HOA Master险的deductible 。
自己付5千以下不需要报，是我可以接受的。
建宁 2023/11/21
包括几万块换的房顶，也许是傻。
Condo的上限这么少嘛？可惜，我也只能保，否则伞险不保。
Everything normal in kitchen. A breakage just under subfloor.
My deduction is $500. Don't know mitigation cost (where can I buy one heater air fan?)
Repair cost over $20k. Plumber think the floor settle put stress on the pvc pipe and caused the breakge.
Allstate paid my 80% before the repair started. tile could not match so all the tiles will need to be changed.
laminate floor could not get match so I guess the cost is to change the laminated floor of the whole room.
The mitigation company wanted to break granite countertop but I insisted saving them. They had granite company that came and there was a chip at a corner.
I need to save some on repair so I can pay for insurance premium increase. Allstate is quite good on a few claims I made over the 10 years.
我去年把十几个townhouse的condo 险CO-6取消了，只换成liability 险，每年能省下2千多。 因为HOA Master险已经把structure险给包了，我只需要liability 险就差不多了。
火灾和Liability.