Insurance is a scam
Today, I got stuck with a water-damaged kitchen. The manufacturer says their warranty doesn't cover it as it's a user error, my insurance says they don't cover it as it's a manufacturer error. FML
Today, I got stuck with a water-damaged kitchen. The manufacturer says their warranty doesn't cover it as it's a user error, my insurance says they don't cover it as it's a manufacturer error. FML
Collection
Halloween
A failed costume, stolen candy and a very real scare: Halloween, the one night when fear is allowed.
Today, my kitchen is flooded, and according to my landlord, this is normal, because it rained last night. Funny, I thought the purpose of a roof was to stop water from getting in. Guess I was wrong. Silly me. FML
Today, I overloaded the washing machine and it flooded the downstairs. The flooring will have to be scrapped and drywall replaced. It's 100% my fault. Did I mention this is not my house? FML
Today, I learned the reason they say don't keep your phone in high humidity places. I left my phone on the counter when I went to take a shower. It now won't turn on due to water damage and the warranty doesn't cover it. FML
Today, I guess my husband was trying to prove something by fixing our dishwasher himself instead of letting the maintenance man come. He watched videos on YouTube but ended up breaking it beyond repair, thus voiding the warranty. Now we have to replace the whole thing at full price. FML
Today, my landlord refused to send a plumber over to unclog the sink. Now he wants me to pay for water damages because he didn't call a plumber sooner. FML
Today, I bought a new electric razor. I tried it, and washed it. I started to shake it in order to get rid of the water. It was pretty slippery, and it exploded onto the floor of my bathroom. The warranty doesn't cover this, I guess. FML
Today, after five months of working overtime and doing my own repairs around the house, such as patching my own roof to save money, I walk into my home office. I find my $2500, week old, top of the line laptop won't turn on because it's drenched in water. Apparently there's a leak in the roof. FML
Today, I came home from work to find my house was flooded from a broken pipe under the sink. My house had just recently had new wood floors, carpet and electrics installed because 6 months earlier my house had been flooded by the same pipe breaking. FML
Today, workers came to my house to fix residual moisture damage in my walls left behind by Hurricane Irma. Said workers then burst a water pipe and flooded my entire apartment in the time it took figure out how to turn it off. FML
Today, in an attempt to be frugal, I tried to repair my own sometimes-faulty toaster. Turns out I unplugged the wrong kitchen appliance, which I only discovered by electrocuting myself while pulling it apart. Now it's definitely broken, will need replacing, and I have a burn. FML
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Top comments
GhostFox 34
If the machine that caused the flooding/water damage was used following the instructions, and is within warranty, they are obligated to fix it or replace it with a new machine of the same or similar type. As to your insurance, I'm pretty sure that if you have insurance for water damage, they are also obligated to fix the resulting damage, unless your insurance plan only covers damage done by natural disasters. I suggest going through your insurance handbook and see what your policy covers. Either way, one of them HAS to pay for something. If the manufacturer won't cover it because it's "user error" and your insurance covers accidents, you can and should be able to use the manufacturer's statement to get your insurance to cover it, if you can get a written report on the cause.
Tripartita 45
1. Cover kitchen in rice. 2. Let dry for 24 hours. 3. Press and hold top right button to try and reboot kitchen. Worked wonders for my iPod.
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Comments (13)
mackdeezy 22
You know the saying. "They're ok with taking your money, just not giving it back" Hopefully you get it resolved, OP
Tripartita 45
1. Cover kitchen in rice. 2. Let dry for 24 hours. 3. Press and hold top right button to try and reboot kitchen. Worked wonders for my iPod.
Zanquis 22
I got 2 big bag of rice from the toko but i am having trouble finding the button to reboot.
GhostFox 34
If the machine that caused the flooding/water damage was used following the instructions, and is within warranty, they are obligated to fix it or replace it with a new machine of the same or similar type. As to your insurance, I'm pretty sure that if you have insurance for water damage, they are also obligated to fix the resulting damage, unless your insurance plan only covers damage done by natural disasters. I suggest going through your insurance handbook and see what your policy covers. Either way, one of them HAS to pay for something. If the manufacturer won't cover it because it's "user error" and your insurance covers accidents, you can and should be able to use the manufacturer's statement to get your insurance to cover it, if you can get a written report on the cause.
Zanquis 22
OP here, it wasn't damage from the machine but water is soaked in every panel of the kitchen. They say the damage comes from... Cleaning. Yup the manufactor says we are cleaning the kitchen too wet. The insurance company only pays when it is a accident but not since the manufactor installed a kitchen that can't handle water from cleaning. My wife has worked for years cleaning peoples houses to make extra money during her studies and never had a problem, we lived in a appartment with a cheap kitchen and it was fine also but we build a new house and moved in it a few years ago and installed a expensive kitchen and we get this crap.
GhostFox 34
Ouch. I'm sorry that you got shafted by the company that did your kitchen. The only other thing I can suggest is leaving a very angry review on any and every site that reviews home improvement companies. It might not fix the problem, but it might make you feel better. I'm not 100% sure what sort of panel your using, but if they aren't warped too badly and are made of wood, you might be able to salvage them if you've got a decent understanding of how improvement. Take them down, put them somewhere to air dry (if you have a standing fan, placing it so the air is blowing on the panels and turning them every so often is probably the fastest way), once they are dry, you can sand them down, then stain them or paint them with a water resistant material. This is probably the cheapest way to do it, since replacing it probably isn't on the table right now. You might want to double check that you don't have any pipes that are leaking, because the amount of water damage you are describing is highly unlikely to occur from cleaning.
kangx1 28
In this situation what you should do is get the statement from the manufacturer and show it to the insurance. Insurance is more likely to pay if you have that statement
ericlcm35 0
Your insurance should pay in any case. If the insurance thinks the manufacturer should be responsible, the insurance should sue the manufacturer on your behalf. That's the purpose of insurance.
rekijan 6
Make your insurance department take it up with the manufacturer?
more4me 27
Typical !
3yellowzebras 19
Call both insurer and manufacturer and make them argue with each other till one pays out?
moondoglou420 17
Time to sue somebody!
soulreaper12296 28
Sounds like you've got two companies that don't want to pay up.