Subject: Advice Needed: Flooding Due to Water Company Incident
Hi everyone,
I’m in a bit of a situation: the water company was working on the service line for my uphill neighbor and accidentally broke something, which resulted in flooding in my yard and some water leaking into our laundry room. Unfortunately, it looks like it may have damaged our washer and dryer, possibly coming in through the vent in the glass block window in the basement.
The water company is sending their insurance agent over to assess the damage, but I’m unsure if I should also contact our homeowners’ insurance agent. I feel it’s important for them to be informed about the situation, but I’m worried about potential increases in our premiums or the risk of being dropped as a policyholder.
Any advice on how to handle this would be greatly appreciated. Thanks in advance!
I’m sorry to hear about the situation with your yard and the potential damage to your appliances. It’s understandable to feel uncertain about how to proceed. Here are a few steps you might consider:
Document Everything: Take photos and videos of the damage to your yard and laundry room, including the washer and dryer. Keep records of any communications with the water company and their insurance representative.
Communicate with the Water Company: Since they are sending their own insurance agent, make sure to get all relevant information from them regarding the claim process.
Contact Your Homeowners Insurance: While it’s understandable to be concerned about rates, it’s important to inform your homeowners insurance about the incident, especially if there is significant damage. They can provide guidance on whether you should file a claim or not.
Ask Questions: When you contact your homeowners insurance, ask them how reporting this incident might impact your policy. They can help clarify your options and any potential repercussions.
Follow Up: After the water company’s insurance agent has assessed the damage, keep following up with them to ensure any necessary repairs are taken care of promptly.
Ultimately, it’s better to keep your homeowners insurance informed to avoid any complications later on. Good luck, and I hope everything gets resolved quickly!