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Hey guys I was hoping I could get some advice regarding a claim I have filed with Grange insurance. I had a sewer/drain backup in my home that started in the bathroom but spilled out into the hall, across to another bedroom, soaked through drywall into a 2nd bedroom. It damaged tons of clothes, and other personal items most mine and some of the gf's. roughly half of the carpet was soaked.
I do have a sewer/drain backup rider on this policy
My questions are...
-How is Grange as a company regarding claims?
-Do they resolve quickly and fairly or do they drag their feet and lowball offers?
-Will they replace all the carpet or only the half that was soaked?
-I now have mold growing where the drywall was soaked with the sewer water even though the emergency team put in a dehumidifier and fans blowing through the affected area. only days after the seepage, will they cover the mold remediation because it was caused by the backup?
-My drop down ceiling also collapsed a few hours after the emergency clean up crew/plumber came to my house. I think it may have been humid/moist air. It could have also been a plumber/clean up crew poking around because my water pipes were just above. Or a combination of the both.
I don't want to make 2 separate claims so should i just forget the drop down ceiling and worry about the obvious water damage or should i talk to the appraiser about the ceiling as well?
I'm sorry about the lengthy post but i'm so stressed thinking about when the appraiser comes.
Any help would be GREATLY appreciated
Thank you in advance
Lifeagent007
I do have a sewer/drain backup rider on this policy
My questions are...
-How is Grange as a company regarding claims?
-Do they resolve quickly and fairly or do they drag their feet and lowball offers?
-Will they replace all the carpet or only the half that was soaked?
-I now have mold growing where the drywall was soaked with the sewer water even though the emergency team put in a dehumidifier and fans blowing through the affected area. only days after the seepage, will they cover the mold remediation because it was caused by the backup?
-My drop down ceiling also collapsed a few hours after the emergency clean up crew/plumber came to my house. I think it may have been humid/moist air. It could have also been a plumber/clean up crew poking around because my water pipes were just above. Or a combination of the both.
I don't want to make 2 separate claims so should i just forget the drop down ceiling and worry about the obvious water damage or should i talk to the appraiser about the ceiling as well?
I'm sorry about the lengthy post but i'm so stressed thinking about when the appraiser comes.
Any help would be GREATLY appreciated
Thank you in advance
Lifeagent007
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