home owners insurance

90_Notch

90_Notch

Forum Member
I have a question, My floor in my kitchen started bowing, So i figured i'd tear it up to fix it.
Well i took all the drywall out, and all the kitchen cabnets. A few friends were over and we were standing outside admiring the pile of rubble pulled from the kitchen when one of the asked why my addition had a lip all the way around it, kinda hanging over the brick. Buddy Jason said "hey i bet you addition used to be a porch.
Without thinking to much about it I cleaned up the mess inside and was looking around doing some measurements, i decided to cut a hole in the floor and low and behold it was built on a porch!!!
I then looked up and the ceiling and noticed it didn't look right So i took my level to it and well it's not level, I'm guessing it's about 1 1/2-2" diffrence between 0' and 10'.
So it's not the floor that the problem BUT the WHOLE addition is sinking.

Would this be covered under my home owners insurance?
I'm gonna be screwed if it isn't and i have to rebuild the whole back of my house because some idiot did it wrong. I can ALMOST garantee it's sitting on a rat wall and not a foundation too!!
 
I doubt the insurance company would cover it...We've done some under pinning work and its not a fun job.
 
The Sopranos said:
I doubt the insurance company would cover it...We've done some under pinning work and its not a fun job.
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Yea i kinda think there going to give me a hassel, even tho this house was city inspected, AND inspected by my insurance company. Now it looks like I'm gonna be doing a whole new addition.

I'll just tear it off i guess and start from scratch. Just sucks i just had a 18' x 20' patio put in and it's probably gonna get wasted when i have to have all of the rat wall dug up and a foundation put in.
 
I dont think the insurance company would cover it either.

How long have you lived there? Could you go thru city records and find out if it was inspected and who did it? I was always told that if you rigged shit on a house and it wasnt right, you could still be liable after selling it.
 
SloNotch said:
I dont think the insurance company would cover it either.

How long have you lived there? Could you go thru city records and find out if it was inspected and who did it? I was always told that if you rigged shit on a house and it wasnt right, you could still be liable after selling it.
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We been here since 2001. We bought the house the same way it is now. I just noticed it over the last year it starting to bow in the floor. I thought maybe the guys who did the floor (we had lanolium put down) didn't put the sub floor in right, but that doesn't seem to be the problem now.
 
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