….when you have breakfast at 7 am on a cold November day.
…and suddenly water starts pouring out of your ceiling.
…and it’s established within 6 minutes that that water is coming from your upstairs neighbors bathroom.
…and both of you immediately call your homeowner’s insurance. Mine, USAA, immediately sends someone over, starts fixing shit and pays for it and I pay my deductible.
…neighbors insurance, Liberty Mutual, tells her they will reimburse my insurance and with that my deductible.
…And then imagine her insurance refuses to pay because “Neighbor wasn’t negligable”.
Of course she wasn’t. So basically, if my neighbor had known something was wrong with her toilet and ignored to fix it and then this would have happened, they would have paid. But because it was a freak situation? Uhm. I don’t get it, Liberty Mutual.
Obviously this has nothing to do with my pretty fantastic neighbor. She’s not happy about this, but she can’t make them pay either.
But I don’t get it. I really don’t. I was on the phone with Liberty Mutual yesterday and eventually asked, Claire, the Insurance lady “Now, forget for a second you are an insurance professional. Now, let’s assume you are sitting in your living room having breakfast and suddenly water starts running out of your ceiling. Water that isn’t yours and has nothing to do with you. You are telling me it’s ok that I pay for that damage although I wasn’t even remotely involved?”
Silence from Claire.
I am pissed, possums, but at the end of the day, it’s just money. Deductible is paid. I am grateful that my fantastic insurance paid the remainding $3000 and that’s what I should be grateful for. Liberty Mutual said they might reopen this claim to re-examine, but I am not holding my breath.
Lesson learned. oh wait. What’s the lesson? Thank god I have great insurance who paid for these damages and since Liberty Mutual has been unable to really explain this to me in a way that makes total sense and is fair, I will never buy a product of theirs.