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2006 brought with it some new problems. And the ones that came in 2007 and 2008? Yes, some of them were a little scary.
I know this because I was a victim of one of these problems in 2007. My daughter was born in early 2007 and just a few short months after she was born our water main broke and the water started flooding the house. My wife and I were in the process of moving from our home in central Wisconsin to a new house in Kansas. We were in Kansas for two weeks so we were able to get a new water main installed.
It happens. It happened here in Kansas when I lived in central Wisconsin. They had a water main break in the middle of the night, which was pretty bad, but it took them a while to get it fixed. Once they did get it fixed though we were able to move out of the house and have our new house built.
That was almost five years ago. Then we moved to Oklahoma and the house there was in worse shape. The water main was not fixed, and the house was not fixed either. We were in the process of moving back to Wisconsin when our water line went out again. This time the house was broken into and our water damage was pretty bad. It wasn’t the first time that happened to us since we moved back to central Wisconsin.
You’re not alone in having a hard time dealing with problems like this. The good news is you can probably fix most of them yourself. The bad news is you have to first move to a new house and then you have to pay to have it fixed. It’s a big investment and probably not worth it if you’re not in a position to do it yourself.
It’s not a big investment. It can be done for $25-50. The key is if you have a warranty on your new home, you can have it fixed for free (if you haven’t already). I’m sure there are other places where people get their water damaged in the same way, but I know it can be a pretty scary experience if you’re not prepared.
The same principles apply to any home repair work. If you don’t have a warranty on your home, you have to either have it fixed or get it serviced for free. No warranty is a big cost for most people. It also just doesn’t make sense. You can’t just get a new house and then expect to live forever. There are definitely some people who are doing this, but others won’t make it through the process.
If you’re trying to do something to your home that requires a lot of work, then your insurance company will almost surely cover the cost of it. So, if you’re trying to fix a water damage problem to your home, you could be in for a surprise when you take it to the insurance company. In 2005, the cost of water damage was something that shocked the world. It was so expensive that when you got a water damage claim, you had to pay for it.
In 2005 you were lucky if you could get a claim for $50. Today the average cost of water damage is closer to $1000, and insurance companies are actually required to do something called “triage” before they cover it. This means that if you can’t get a claim, they will take your house to their office and they will see if they can get you to pay for it.
I had a friend go through this for me once. She went to see her insurance company’s representative, and he told her to fill out a form. She did, and they said she had to pay a $200 deductible. Even though it was a water damage claim, she was still required to pay for it! She was outraged, but after a few weeks she did see some relief, and she was still required to pay for her house.
