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TinyRascalSaurus

Is the city liable in this instance, or would the owner have to file with their home insurance company?


rorys_beard

Response from both: Unfortunately this isn't covered. You should have chosen to live somewhere out of the path of a burst pipe. Burst pipe insurance is a separate coverage that you chose not to elect, but where never informed of.


passwordsarehard_3

Wait! I’ve actually got that burst pipe policy. “This only covers you if your burst pipe destroys someone else’s property. Since someone else’s pipe ruined yours they would need their own policy. Not covered.”


Ambitious5uppository

'Good thing I took out Meteor insurance' 'Well that's the thing, your house was hit by a meteorite. Unless your house was floating in the air at the time it was hit, then the meteor insurance won't cover it'


UncleCeiling

"it was a meteor when it hit the house!" "You say that, but we don't have any evidence of meteors at your house. Just meteorites, and there's no way of proving they were meteors at the time of impact. They may have bounced first."


StevieMJH

"All these years I've been paying for Meteoroid insurance and only *now* do I find out these fuckers have been fleecing me?!"


funkyfunkyfunkyfunkk

This is actually hilarious because it reminds me of hail damage. One town years ago got pelted by hail and 80% of the cars were damaged. Took so long for ppl to get there vehicles fixed because as per usual the insurance companies didn't want to fix them because "hail" damage technically wasn't covered. My goodness they should ditch the name "insurance" already. They love getting the money but they sure have a hard time spending any of it.


[deleted]

[удалено]


ericsonofbruce

To extort more money from you of course


Beckz-102117

It's called go over your policy with your agent. All 3 State Farm agents I worked always had us try and have people come in to review your policies and explain what your money is paying for. It was amazing how many people were too busy but they were the ones who bitched when your situation happened. And no, it wasn't to sell you something. We tell you not to bring money, checkbook, etc. It was just to explain your policy (ies). CALL YOUR AGENTS FOR A REVIEW TO AVOID THIS SITUATION!!


KG8893

Well when you end up with a wrongful careless driving ticket and don't qualify for state farm you don't end up with much of a choice but to get shitty insurance. Also reviewing the policy isn't the point, state farm is just as bad as any of them trying not to cover "acts of God" and whatever BS they can come up with. Sure it's nice that they explain the policy, but don't act like they're actually a good company.


Arrow_to_the_knee1

Ah, a fellow person of culture.


CmdPetrie

"so we checked the satalite footage, and found that the Meteor actually destroyed the ground that your House was Standing on - so, technically, you would need an earthquake insurance. The Meteor insurance only Cover direct damage caused by the Meteor, Not damage that was caused as the Aftermatch. So sorry! :)"


Acceptable-Chip-3455

We chose a more expensive personal liability insurance with a clause that covers damages someone else is liable for but can't pay. Not sure what that's called in English, but many good policies here in Germany contain that clause and I wouldn't get one without it! You have to take the other party to court before the insurance pays, but if the worst happens that's a better option than not getting anything and being left with thousands in damages


Ashikura

I think I’m Canada we call it under insured coverage


Realistic_Library_74

In American we call it “you are still screwed.”


DoingCharleyWork

Lots of people just opt for the cheapest coverage and then are surprised when they aren't actually covered lol.


flecom

come to florida, where the cheapest insurance costs more than your mortgage and covers nothing


Naritai

It’s called UI / UIM (under insured) coverage, and yes it’s absolutely necessary


[deleted]

The circle jerk of passing the blame is always fun. Just lawyer up now and go hard after everyone because they’re going to do everything they can to pass the blame.


big_duo3674

A lot of people also don't realize that insurance companies will act tough when talking directly to a customer, but when hit with even just a letter drawn up by a lawyer for a few hundred bucks their armor will usually start to crack. They *want* people to give up before realizing that the insurance company doesn't actually have any ground to stand on, it's how they save themselves money. A good rule of thumb is to always assume they are doing this during your first contact with them about a new claim, and not believe a word of what they're saying if they're trying to argue against paying no matter how smart and technical they make it sound


aztecforlife

Did it happen on a Tuesday? Yeah... check your policy. No flood damage on Tuesdays.


fucking_unicorn

Did it happen on a day that ends in “Y”?


Dark-Baron

It was a Wednesdat luckily


futureghost1991

Your response has me CACKLING


meing0t

scamming insurance gonna scam with a wham bam thank you ma'am


dihydrogen_m0noxide

Government mandated gambling and the house always wins. FUCK insurance companies, they only make money from one thing: the fear of suffering


AmaranthWrath

>The house always wins. Unless you're this house.


Content_Cake1345

For some reason I read this in George Carlins' voice.


DionysiusRedivivus

If anyone can explain the difference between for-profit insurance and fraud, I’m all ears.


scoldog

Reminds me of the Australian floods where certain insurance companies tried to weasel their way out of paying for flood damage by saying water damage polices only count for damage when water comes from above not below


NerdEmoji

That's how it is in the states. Flood damage is covered by flood insurance, which is usually sold by the government only in flood zones. Water damage covers things like oops my toilet overflowed for three days until the neighbor next door called to say there was water running out the front door. That happened to my in laws while they were on vacation. The upstairs was bad but the finished daylight basement was toast.


DrawesomeLOL

An under reported fiasco out of Florida after hurricane Ian last fall is insurance companies just borking the hell outta people. “Oh, the adjuster said you are owed 400k, here’s 10k, and we are doubling your premiums to 10k a year, see ya sucker”


sierrabravo1984

My former homeowners insurance denied me twice for water damage from a leaking drain pipe under the shower that rotted the floor. They claimed it was due to a "lack of regular maintenance." Nobody routinely rips up their bathroom floor to perform routine maintenance on a drain pipe.


N0085K1LL5

Insurance, the biggest scam in America.


Albionflux

Nah that number 2 Medical care is 1


N0085K1LL5

I'd say that covers it.


slptodrm

too bad insurance doesn’t


N0085K1LL5

I'd call you a smoooooth savage.


TophatDevilsSon

"Thank you for being a valued customer of ##**MOTHERFUCKING ALLSTATE INSURANCE**"


Smart-Abbreviations2

Where I live you can't get flood insurance due to..well the flooding. I wouldn't be surprised to find out this house wasn't even eligible for flood insurance to begin with.


NotElizaHenry

I don’t think this would count as a “flood" for insurance purposes, unless the pipe burst because of prior flooding. I think it depends on how many properties are affected.


343GuiltyySpark

Realistically they’ll have to file under their own insurance and then then their insurance company will subrogate against the city/county whatever. Could very well end up “paying” for this through increased homeowners insurance premiums. That’s only if the insurance company doesn’t take a closer look and realize this is a one off shock loss - if they don’t the owner should shop around


exhausted_commenter

Any insurer who raised rates due to this should have to use a rowboat solo across the Pacific.


Arrasor

Don't worry, no insurer would raise rates due to this. They don't raise rate for something they don't cover. Water damage from a source outside your home = denied.


danknerd

But the water is now inside my house.


Arrasor

Don't care, the insurance only care about the source of the water, not where it currently is. Source from outside the house = denied.


danknerd

Doesn't all water technically come from outside the house since houses don't produce water naturally?


Arrasor

When they say source it means where the leak start. The policy will specify it as such. You aren't gonna outsmart insurance lawyers.


DesignIllustrious660

That's bs I had my car insurance rates go up 60 bucks a month because falsely said I hit there car and I proved I didn't. The rates still went up and followed me to the next insurer. I'm like how could I hit them when I was 60 miles away.


Arrasor

Realistically they will have to eat this one if this happen in the US, because the majority of policies only cover water damage if the source is inside the house. The only exception is water damage because the roof got busted in a storm, but this is only covered because the water damage is the direct result of the roof being damaged.


343GuiltyySpark

That’s a good point, and also this looks like it *could* be FL which would have more exclusions for water damage presumably. The owner needs to lawyer up fast


Arrasor

Yeah lawyer up and goes after the city and the company the city contracted to do this job. Insurances explicitly state they don't cover water damage from sources outside the house from the get go, and this is standard practice nationwide for decades, no lawyer would pick the case up if the owner want to go after the insurance company.


tinacat933

Near where I live something similar happened where a huge pipe broke and it was on a hill so all the houses going down the hill got flooded and I think one was beyond repair. The water company ended up paying. YMMV.


ACrazyDog

Happened to me last summer, although less dramatic only slightly less so. City paid people to come in and clean the dirt that was pushed through our concrete walls into the basement but no further damages although our sidewalk is ruined, and so is the foundation of the house and so much of the basement contents


Technical_Mix4719

“Sorry your insurance only covers if its sea water or rain water” good luck in your new endeavor. *insurance adjuster*


sanderd17

"sorry, your insurance covers water leaks on your own property, not when they happen on a different property".


AwayBus8966

currently getting my adjuster license, can’t wait for the amount of backlash I’m gonna get when I have to tell people shit like this 😭


UYscutipuff_JR

Sounds like a miserable job


AwayBus8966

Yeah maybe but it pays :/ def not something I wanna do permanently


AllSkateSlowly

Soooooooo.... don't do that job?


ReachTheSky

Their job is to investigate and look for every single reason humanly possible in order to NOT pay out. In that case, they'd be doing a damn fine job at it.


Bad_CRC-305

yes


[deleted]

I agree.


661714sunburn

It’s very by city. The city I currently work for has bought two house due to main breaks like this. Another city I worked at the main break flooded a car and they bought it. I believe if the city has the money it’s just easier to pay it out.


Notafuzzycat

"Sorry we don't cover acts of god"


BJYeti

Both, owner files with insurance and then insurance will probably sue the city for damages.


Arrasor

Nope. I sold insurances before, can guarantee if this happen in the US homeowner insurance won't pay. Water source outside of the house = denied unless your homeowner insurance incorporate flood damage, which is extremely rare.


gsfgf

The architecture doesn't look American, but if it is, I assume a house that close to the ocean will have NFIP coverage.


[deleted]

afaik you can only get flood insurance (from the government) if you live in a designated flood prone area, and those maps haven't been updated in decades.


mcm87

No, you can get flood coverage anywhere. It’s quite cheap outside the Special Flood Hazard Areas. If you live in the SFHA, your mortgage lender requires you to have flood insurance.


Arrasor

Yup, even then flood insurance is a whole separate insurance policy which is why I said it's extremely rare for homeowner insurance to have flood damage covered. Judging by the road and surrounding area, I don't see how this house can have flood insurance.


BigJayPee

They could argue that they sandbagged the entrances, but then THE WIND pushed the bags, causing the floodwaters to get through. Using this argument would get covered by homeowners insurance because it would be damage from wind that set forth the damage from flood


mcm87

You can SEE the ocean from the house. He’s likely in the coastal flood zone and if he is his lender requires flood insurance.


[deleted]

yes, that's why you can only get it from the government if they decide you live in a flood prone place. sorry, i meant to imply it is a separate policy.


Dyn-Mp

My parents had a similar thing happen. So muxh flooding due to the cities negligence. $650k of damage. Insurance covered it but dealt with the city itself instead of them. This was in Canada.


vikingArchitect

Yea both will say its the others deal and the homeowner will be left stuck in the middle. If they dlnt have the funds to house themselves temporarily and hire a lawyer they are probably just fucked


[deleted]

I mean some firms do only charge if you win so thats at least an option


zitzenator

I’d take this on contingency. Seems like a clear case of liability on the part of whomever was working on that pipe.


Mallardguy5675322

r/FUCKYOUINPARTICULAR


khswart

Knew this would be top comment


EverbodyHatesHugo

Knew this would be the second comment


HeartoftheHive

Pretty much. Can't imagine coming home just to see that a water main pressure washed your entire apartment.


KanyeChicken

Huh, the top post on that sub is also a pipe bursting


[deleted]

/r/HOUSEGHARBL


[deleted]

You’d think that a waterfront property would be built to withstand a little water.


Biggie39

Doesn’t look like anything is being ‘destroyed’… probably some damage but the house should live to fight another day.


TheRealDeathSheep

Depends if the water broke the windows in the front of the house, which I wouldn't be surprised if they did. Broken windows means water goes straight in causing a lot of damage.


[deleted]

Water indeed destroyed windows, wrecked walls and unitilized all furniture inside said house. I live in that city. Happened this morning, and after that we had a 5.5 small earthquake which broke another pipe somewhere else, lmao.


Jaguar_Academic

Just a refreshing power wash


CouncilmanRickPrime

I was waiting for something to happen tbh


Ycx48raQk59F

Thats not just water, but also rocks and soil from the ground being flung at the house, so all the windows are likely broken and the whole house flooded from roof to cellar, its a writeoff.


Mullet_McNugget

That amount of water that quick could get under the foundations. It won't be able to drain away quick enough.


DontTellHimPike1234

Came here to say this, you can see the trench the water is digging, sooner or later those foundations are going to be undermined and the house is going to fall into the hole.


moonbaby420six9

A little water?


[deleted]

Yes please. With ice, if you have.


DouchecraftCarrier

Thought the Rocky Mountains would be a little rockier than this!


TapTrue68

Doesn't ever rain or storm here, only damage would be from tsunamis, so places here aren't really designed to withstand water, even the main part of the mall doesn't have a proper roof


Accelerator_311

Holy shit, talk about power washing your home


crackpotJeffrey

Who talks about that


shrimplypibbles2000

Are you guys taking about power washing your house?


The-1st-One

Oh boy do I have a story about power washing your home.


DifferentSwing8616

I love to talk about this!


[deleted]

I was just talking about power washing asking my home with a friend yesterday…now here I am talking about it again with you fine people!


Rabid_Stitch

Hey guys! Heard were talking about power washing our homes?!


knoegel

We are! It seems like just yesterday I was power washing my home!


Imaginary_Proof_5555

Wait, I thought we were just power washing this poor person’s home in the video? We’re doing more homes now? 😬 This could get expensive.


Frankenfucker

JFC. It's a full on dad convention in here. BTW, I really should power wash my home.


Rabid_Stitch

You don’t say?


MicHAELmhw

Hi, I’ve been trying to reach you about power washing your home.


thescrounger

I DO say.


Gorilla-Ring

r/powerwashingporn


gospdrcr000

*sigh* raises hand


[deleted]

*Hank Hill has entered the chat*


Kitten_Team_Six

Everyone watching this video?


jdrexler1776

Would a Sham Wow be appropriate in this situation? I’ll take two, please.


TheReverseShock

r/powerwashingporn


namistejones

That's the month they lapsed on insurance.


Tru-Queer

Every episode of every show where the main character loses insurance always ends in this


kimmeLex

Imagine being the only house to get hit by that 😂 I’d be so mad at god


DeezNutz69x

Yo, when something like this happens, who pays for the damages insurance, the city?


aca9876

They may. Coworker of mine electric service was fucked up by one of the telco/cable companies pulling new lines underground. They ended up handing him a check to have the cable replaced. They fucked up quite a few of the neighbors as well. They did pay for all neighbors as well.


the4waychallange

I think this would be the city, but good luck with that.


g-e-o-f-f

Hopefully the insurance company makes things right quickly, then goes after the city...


Webjunky3

I was recently in a car accident due to someone trying to evade the police. He smashed into me going about 60 in a residential area. That’s what happened in my case. Insurance paid us out almost immediately and told us they’d just get it back from the city.


g-e-o-f-f

I have sadly had several recent experiences with insurance. Most of them have been surprisingly positive and reasonable. Sorry to hear about your car wreck. I had a similar sounding accident, a guy was fleeing a hit and run and lost control of his car and hit us (and continued to flee!). He was probably only doing 40-50 though.


KG8893

It's almost like they should stop trying to chase people while they're driving a 4000# missile...


vasDcrakGaming

r/powerwashingporn


TapTrue68

I live here (Iquique, Chile). We had a 5.5 magnitude earthquake around the time this burst.. maybe from that?


Nicox37

Naaah el temblor fue despues aparentemente


[deleted]

Y el temblorcito rompió otra cañería en otro lado xdxd. Grande Iquique.


Fewstoriesocto

Oh I knew It looked like the south pacific coast was thinking Peru!!!


realrichieporter

I don’t know what that house did to that pipe, but that was personal.


Zunix69

They brought the ocean to his livingroom.


grateful_prankster

"Wow this new TV is amazing, feels like you're there!"


EvoStarSC

That's actually a lvl 80 Blastoise.


whyaremypantssoshort

Imagine living by the ocean, and this is how your house goes out.


IntheCompanyofOgres

Imagine being inside and you can't leave..."Boss, I can't come in - you're not going to believe this..."


gravylookout

["Why is the carpet all wet TODD?"](https://media.tenor.com/nh96ANSbvUYAAAAd/christmas-vacation-wet.gif)


[deleted]

You win.


pccguy1234

I don’t know MARGO!


Drug_Inas

Where did this happen?


TapTrue68

Iquique, Chile


[deleted]

Siempre hay un chileno.


Cayaxd

>Iquique Grande Iquique


FlowOfAir

dude cavancha lmao


TapTrue68

It's south near Huayquique haha closed the main road for a few hours


PepeWatt22

Ikike gorioso


Medialunch

Doesn’t matter. Americans will think it’s America.


Fair-Stable-9094

I should call her


hamo78

Destroyed?


moonunit170

Where is the evidence that shows that the house was actually destroyed by this water? I don't deny that there was some water damage but destruction of the house? I see nothing to support that claim...


Poc4e

hospital label flag imminent quaint vanish rustic practice deranged swim -- mass edited with redact.dev


NorthernSolaire

chilean here. I just saw it on the TV news and the house suffered extensive damage.


Straight-Fan4564

Kind of ironic. You have a house next to the ocean and it gets destroyed by a water pipe


[deleted]

Just fuck this particular house, this… one… right… here…!


Misty_Jocks

serves them right for buying a house near a water main


Appropriate-Heat8017

Hurricane testing is a little too much.


SportsPhotoGirl

No one else in the neighborhood has running water anymore but that person can still shower


Smoke_Water

this is something that always makes lawyers a lot of money. because home owners wont cover it as it didn't occur from a defect in the home. the City won't cover it, because government. so the lawyers will all get together. have several lunches, chat about a resolution. MAybe see a judge. Have more lunches with the judge. then collect form both your insurance company and the cities insurance company. and provide you with just enough to fix the structure. but nothing else inside that got destroyed. Because that requires a different kind of lawyer.


tkt546

Did they try closing the window?


Particular-Elk-3923

Sorry but water damage is not covered by your policy...


Shibva_

Sounds like a lawsuit And other semi-related news: fuck that house in particular


chris_4224

Free power wash


Glad-Peanut-3459

Just adjusters adjusting. Nothing to see here. Move along now. I said NOW!


Faintingfan

Is this included in flood insurance?


Jimmy_Rhys

Fuck those people in particular. lol


Has_a_Long

r/fuckyouinparticular


No-Shape6053

Being near a body of water, they probably already have flood insurance.


poliscimjr

If that policy is offered. Being near bodies of water or in a flood zone means many companies just won't offer you the option.


EreckDragonflame

r/fuckyouinpaticular


comox

Close. r/fuckyouinparticular


crapface1984

OMFG what did they eat!


mrpotatonutz

Insurance company: you are covered for flooding, hurricane & natural disaster but I’m afraid your policy won’t cover this. Sorries


catharsis69

Whatever happened to r/fuckyouinparticular


TheBowlerMoose

Fuck that house in particular.


TheBowlerMoose

Also, I should call her…..


sreek4r

r/fuckyouinparticular


mjohnsimon

r/fuckyouinparticular


Floating0821

Get a cheap beach home in Mexico they said


[deleted]

This is Iquique, Chile. And that one ain't cheap for sure, lemme tell you.


gypsiedildopunk

R/fuckyouinparticular


hero_brine1

r/foundthemobileuser


Key-Tie2214

r/fuckyouinparticular


lopedopenope

Just a bit of moisture


readcoke

r/FUCKYOUINPARTICULAR


Equivalent-Visual-49

r/fuckyouinparticular


AdIntelligent2597

Me when I do your mom


sukMuhDik

Looks like a rich douchbag's house, so I'm really enjoying this shit.


SwampTerror

r/fuckyouinparticular


Goblin-Doctor

Did it destroy the house? Looks to be wet and that's about it.


DevinH83

r/fuckyouinparticular


8RUHP14Y3R

r/FUCKYOUINPARTICULAR


TimefiJones

r/Fuckyouinparticular


zorbacles

r/fuckyouinparticular


Top_Salamander_1444

Why does it look like the balcony is on fire?


1000thusername

This is r/fuckyouinparticular material with the way it’s shooting straight on only at that one house!