Get 1 year of free community web site hosting from Community123.com!
Thursday, February 25, 2021











HOATalk is a free service of Community123.com:

Easy to use website tools to help your board
Only members have access to all features.
Click here to join HOATalk for Free! Members click here to login and access all features.
Subject: Urgent: Texas HOA with massive damage (burst pipes)- insurance
Prev Next
Please login to post a reply (click Member Login on the menu).
Author Messages
JdW
(Texas)

Posts:21


02/19/2021 5:33 AM  
Our insurance agent by email stated we can go ahead and hire the first person we can get and just to keep notes, pictures, and receipts.
I know this is not the normal way claims work; normally an adjuster comes out, etc.


We likely have over 20 pipe breaks on the property, in a sprawling garden style condominium. All water service is off for the entire community.

Any quick recommendations on this situation appreciated, particularly in dealing with the insurance side.

TimB4
(Virginia)

Posts:17373


02/19/2021 6:01 AM  
You have written confirmation from your agent how to handle.

Follow it.

Take pictures of the break prior to the repairs along with the damage, also prior to the repair, and, if possible, get multiple bids.

Between the weather and pandemic, I'm sure many companies in TX have adjusted how they operate.
TimB4
(Virginia)

Posts:17373


02/19/2021 6:02 AM  
Forgot to include - keep your agent informed.

Copies of pictures, estimates, contract to repair, etc.
MelissaP1
(Alabama)

Posts:9972


02/19/2021 6:04 AM  
Take advantage of the insurance card blanche approach. Take pictures and notes. Now does not need to be first vendor. There is room to negotiate with others if at all possible.

Need to get this done before the pitch forks appear.

Former HOA President
SheliaH
(Indiana)

Posts:3805


02/19/2021 8:17 AM  
Busted pipes may also mean internal damage - check your policy to see if that damage will also be covered. In my community, owners are responsible for any damage from the point the utility lines enter the unit, so homeowners should be encouraged to contact their own insurance companies that may need to address that part.

Once all this gets resolved, the board should consider establishing an emergency preparedness policy to address similar events. You can get tips from your master insurance policy, the local Red Cross and your police/fire department and develop something tailored to your community.
BillH10
(Texas)

Posts:629


02/19/2021 8:19 AM  
JdW

We live in the DFW Metroplex and have property owner association clients in Dallas. Fortunately no client has damage . . . yet.

We had a water line break in our home Wednesday or yesterday, the entire ground floor had 1-2 inches of water when we returned home until neighbors pitched in to help get it out of the house.

We have filed a claim. We were told to take pictures, keep receipts, etc., just as you were. We were told to expect a call from an adjuster but our agent could not estimate when that would take place. The Governor announced yesterday insurance adjustors and plumbers were coming in from other states.

We were also told to get anyone we could to repair the damaged pipes as quickly as possible but to take pictures or videos of the damage before any repairs are made or the water is turned back on.

You or the affected owners should begin calling damage mitigation specialists to get on their lists. Every one we called yesterday was booked and told us the wait lists are full. We called in a favor with a contractor we use for clients who is sending in a team today.

With water off in your complex, you should begin thinking about alternate living arrangements for your owners and tenants.
You should call your insurance agent back and find out the association responsibility since you have shut off the master water.

Don't wait around on this, we are being told the hotels are filling up with those who cannot stay in their homes.

Good luck

SheliaH
(Indiana)

Posts:3805


02/19/2021 8:20 AM  
Forgot to mention disasters have a nasty tendency to bring out con artists who will make a lot of promises, insist on advance payment with no contract and then disappear. Pay attention to Melissa's advice about not needing to hire the first vendor who shows up. Here's what your state's Attorney General says on the subject - https://www.texasattorneygeneral.gov/consumer-protection/home-real-estate-and-travel/how-avoid-home-improvement-scams

Pass that along to your homeowners so they can be careful when hiring vendors to take care of their personal property
BillH10
(Texas)

Posts:629


02/19/2021 8:24 AM  
To add to my previous post--the insurance agent clarified we should hire anyone we could who is a reputable licensed plumber to repair the broken pipes, we don't need get competitive bids, etc.

Plumbers in Texas must be licensed, do not hire someone who is not. I don't know what the state plans to do about the plumbers coming in from out of state.
SheliaH
(Indiana)

Posts:3805


02/19/2021 8:29 AM  
That's why due dillegence is so important - people can (and do) wave all sorts of "official" paperwork to convince others to hire them. If they wind up doing any work, it's half-assed, then the contractor tries to intimidate people into paying more due to finding more "problems." Older people are especially vulnerable to this scheme.

Personally, I wouldn't hire an out-of-state plumber - there has to be a local presence, and by that I mean a street address you can actually visit and something's there. Never, never NEVER hire anyone whose only contact is an email or cell phone.
BenA2
(Texas)

Posts:798


02/19/2021 12:47 PM  
I believe you are always entitled to start repairs in an emergency or if it mitigates further damage. It's probably in your policy. A leaking pipe would certainly qualify. In your case you have your agent's blessing.

I think getting the repairs done without delay is your first priority.

Please login to post a reply (click Member Login on the menu).
Forums > Homeowner Association > HOA Discussions > Urgent: Texas HOA with massive damage (burst pipes)- insurance



Only members have access to all features.
Click here to join HOATalk for Free! Members click here to login and access all features.







General Legal Notice:  The content of forum messages are from the posting member and have not been reviewed nor endorsed by HOATalk.com.  Messages posted by HOATalk or other members are for informational purposes only, are not legal or professional advice and do not constitute an attorney-client relationship.  Readers should not act upon this information without seeking professional counsel.  HOATalk is not a licensed attorney, CPA, tax advisor, financial advisor or any other licensed professional.  HOATalk accepts ads from sponsors but does not verify sponsor qualifications nor endorse/guarantee any sponsor's product or service.
Legal Notice For Messages Posted by Sponsoring Attorneys: This message has been prepared by the sponsoring attorney for informational purposes only and does not constitute legal advice. This information is not intended to create, and receipt of it does not constitute an attorney-client relationship. Readers of HOATalk.com should not act on this information without seeking professional counsel. Please do not send any sponsoring attorney confidential information unless you speak with the sponsoring attorney or an attorney from the sponsoring attorney’s firm and get authorization to send that information to them. If you wish to initiate possible representation, please contact an attorney in the firm of the sponsoring attorney. Sponsoring attorneys that post messages here are licensed to practice law in a specific state or states as indicated in their message signature or sponsor’s profile page. (NOTE: A ‘sponsoring attorney’ is an attorney that is a HOATalk.com official sponsor and is identified as such in the posted message or on our sponsor page.)

Copyright HOA Talk.com, A Service of Community123 LLC ( Homeowners Association Discussions )   Terms Of Use  Privacy Statement