Here we go again. A couple of weeks ago, I had to replace the front door to my rental property. Yesterday, I got a call from my tenant for another issue. It appears there was a wet area on the wall and she could not determine where the water was coming from. This same problem happened about 2 months ago and went away.
I called American Home Shield to check out the problem and see if they could repair it. American Home Shield offers a home warranty to cover failure to major components in your home. For my house, it costs about $350 a year and each service call is $55. The component has to have been in proper working order prior to the failure in order for the repair to be covered.
Turns out, when I had hardwood flooring installed about 2 years ago, they removed the toilet to put flooring in the bathroom and did not reinstall something in the base of the toilet causing there to be a small leak each time the toilet was flushed. Whatever they did wrong finally failed and caused all the water to run out of the bottom of the toilet. Since the toilet was not properly installed, American Home Shield denied the repair. The technician chose to replace the wax seal as a courtesy.
Now, I have to replace the carpet in the living room next to the bathroom that flooded and the hardwood floors (laminate) that have warped in the bathroom.
I'm considering filing a claim under my landlord’s policy to see if it will be a covered loss. Most insurance companies only cover losses that are sudden and accidental. Since I don’t know how long this has been happening, I’m not sure it will be covered. If it is a covered loss, I will only be out of my $500 deductible. If it’s not a covered loss, I have to pay for the cost of the repair and have a claim show up on my CLUE report.
What would you do???
The Disappearing Account
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