When was the last time you had to make a house insurance claim?

[Spinneret]

13 years ago for a broken tv

 

[TippyThomas]

Never.

 

[tvguy]

13 years ago for a broken tv

Insurance will cover a broken TV?

25 years ago. Dishwasher leaked the destroyed the flooring in our kitchen.
We had a neighbor's tree fall on our garage, neighbors insurance and my insurance both said "Act of God, not covered". Just knocked the gutter off the side, I fixed it myself for free. Probably would have cost me $500 to replace.

 

[disneydreamer1980]

Tree fell 2 years ago after neighbor hired someone off Craigslist to cut it down and destroyed half of deck, part of our siding and crashed through a window. Also messed up our pools salt water filtration/chlorination thing. It was terrifying, the whole house shook and it made the loudest noise.

 

[WDWEPCOT]

3 yrs ago - HUGE nightmare Got the Board of Insurance involved it was so ugly hope to never have to do it again as there was no reason for it they were just trying to pull one over and short change me - sorry I do Accounting I’m adding up your numbers and they didn’t add up ! They didn’t want to deal with a woman either ! 9 months of fighting over it ! Insane ! Thanks to a friend in Ins industry I got Board of ins and got it resolved !

 

[5kidsmommy]

13 years ago or so, we had a micro burst that went through our neighborhood. knocked some trees into some houses and lots and lots of hail damage. Our roof and siding both got replaced and we lost a tree and had to have it removed but it only destroyed a small section of fencing.

 

[piccolopat]

Windstorm damaged roof many years ago. Lightning caused electrical surge that ruined our TV. Insurance covered both instances.

 

[nene0182]

We haven’t had to (owned for 12 years).

 

[John VN]

STILL dealing with Hurricane Ian damages.

 

[WAstateDVCDaddy]

A year and a half ago. A leaky washing machine - tried to fill up the laundry room instead of filling up the washer’s tub. Fortunately I got stuck on a conference call, so instead of leaving the house right after my wife turned on the washing machine, I went to go upstairs after it ran for 20 minutes. Half the downstairs was flooded, but not my office (with tons of collectibles) or the media room.

My insurance company was great - quickly arranged for recovery resources and quick to pay off bills. The moving in/out costs for all of our stuff while floors were dried and flooring replaced alone was $30k!

 

[barkley]

Windstorm damaged roof many years ago.

with us it was a historical dump of snow-as it was cracking it sounded like gun shots going off

Lightning caused electrical surge that ruined our TV.

that is terrifying! we just recently had a whole house surge protector installed-so much less expensive than the cost of replacing even one large appliance.

A year and a half ago. A leaky washing machine - tried to fill up the laundry room instead of filling up the washer’s tub. Fortunately I got stuck on a conference call, so instead of leaving the house right after my wife turned on the washing machine, I went to go upstairs after it ran for 20 minutes. Half the downstairs was flooded

have you seen those leak alarms they have? i saw one recently on a home improvement show and mentioned it to a plumber we had out doing some work for us-he said he had done a few repairs on homes that had them and the minimization of water damage was phenomenal. i honestly believe these types of devices along with the whole house surge protectors should qualify homeowners for some kind of insurance discount.

 

[goofyernmost]

In 1997 some kids (vandals) were driving around throwing beer bottles at houses. One hit my picture window that was right in front of our sofa where my daughter was lying watching TV. That was my one and only claim in 51 years of home ownership. It turned out that my deductible was higher then that cost. So 51 years of home insurance premiums produced $0 return. That statement just made my heart skip a couple beats. I must think of something else. How about those Orioles?

 

[firefly_ris]

2019, a tree root clogged our gravity feed and we didn't know our sump pump wasn't working, so the basement flooded.

 

[cvjw]

A year and a half ago. A leaky washing machine - tried to fill up the laundry room instead of filling up the washer’s tub. Fortunately I got stuck on a conference call, so instead of leaving the house right after my wife turned on the washing machine, I went to go upstairs after it ran for 20 minutes. Half the downstairs was flooded, but not my office (with tons of collectibles) or the media room.

My insurance company was great - quickly arranged for recovery resources and quick to pay off bills. The moving in/out costs for all of our stuff while floors were dried and flooring replaced alone was $30k!

Our washing machine just did the same thing a couple weeks ago. We have simply safe water detectors under our refrigerator, washer and hot water heater. The water alarm went off when the water started leaking from the washing machine. It made an audible alarm sound and simply safe notified us that we had a water leak. Immediately turned the washer off, disconnected the water and cleaned up the water. No damage. Did have to buy a new washer and dryer though. Get some water sensors. They are amazing.

 

[CGB]

Twice. The first was roof damage from an ice storm. Tree limbs broke and pierced through the roof (into our bedroom.) Not a huge claim to get the roof repaired. The second was when we were robbed for over $12K worth of jewelry, electronics, etc. while vacationing at Disney. Our teen son's room was hit the hardest, which helped point to the guilty party. (A matching list of gamecube games sold to a local Gamestop became key evidence.) Very few belongings were recovered. Insurance didn't pay for all of it, but it did help with replacing some of it. PSA: It's important to take photos of your belongings. Also, store rewards programs help with tracking purchases which prove ownership/costs. Hopefully, you'll never have to learn that lesson.

 

[RUDisney]

In April of this year. We had the drain pipe leak under the kitchen sink. We didn't realize it until the basement got stinky with black mold. It also damaged every lawn and beach chair we had, my washer and a few other seldom used items.

This weekend, I'll be re-insulating and next weekend, I'll be hanging drywall. Yay me. Could I hire someone? Yes, but I figure that my $1,000 deductible is what is paying me to do the work that I had previously done, 28 years ago, in the basement.

 

[luvnwdwgal]

Never in over 40 years

 

[lynxstch]

Never, in 22 years, knock on wood!

 

[barkley]

The second was when we were robbed for over $12K worth of jewelry, electronics, etc. while vacationing at Disney. Our teen son's room was hit the hardest, which helped point to the guilty party. (A matching list of gamecube games sold to a local Gamestop became key evidence.) Very few belongings were recovered. Insurance didn't pay for all of it, but it did help with replacing some of it. PSA: It's important to take photos of your belongings. Also, store rewards programs help with tracking purchases which prove ownership/costs. Hopefully, you'll never have to learn that lesson.

excellent advice on the photos! i also have my adult kids keep an invantory on 'the cloud' of all their games and gaming systems with a perioidic hard copy filed in the bank's safety deposit box (at my insurance agent's suggestion). it is insane how much those games add up to-esp. if you go to replace them.

 

[loves to dive]

Probably about 20 years ago, I owned the house my Mama lived in and a storm knocked a tree through the fence and into the driveway of the apts. behind.

Hubby should have done one a few weeks ago but for some reason he refused. Our fridge had a tiny pin leak in the water line we didn't know about. It was shooting at the wall, there is a small gap between the wall and floor. It ran down that wall and into the ceiling below in the basement. No telling how long it was going on until I was down there working and heard water dripping from the next room. Found the ceiling collapsed and water dripping on to the carpet. Plumbers came out and couldn't find any burst pipes, for some reason I had hubby pull out the fridge and there was the culprit. We got out the carpet cleaner and soaked up the water, cleaned up the ceiling from the floor and then put the dehumidifier and a fan blowing on the carpet. At least half the kitchen subfloor had been wet thus cracking the tiles in the kitchen. The plumbers told us they saw mildew on the bottom of the subfloor. At the same time, the drain pan in the shower in the master bathroom had come loose and was dripping into a closet in the basement. There is no ceiling in the closet and just concrete floors but we had all our scuba geared stored in there. Had to throw away probably a huge suitcase full because it was mildewed. For some reason hubby would not file insurance. Our neighbor is a contractor who flips houses. He came over and looked and said there was no mildew on the subfloor and it was not damaged. So hubby just plans on replacing the ceiling in the basement. I'm not happy because insurance would have paid to replace the entire kitchen floor, the ceiling in the basement, maybe the carpet in the basement and paid for some of the gear we had to throw away. Now I have an extremely cracked kitchen floor that I guess is not getting fixed. I don't know why he wouldn't file insurance since any money would have been better than none. I told if he wasn't going to use the insurance he should just get the cheapest policy he could with the highest deducible since it was silly to pay for something you aren't going to use.