AboutDeanna Terry Expertise I am qualified to answer questions about home owners personal property claims, especially fire claims. I am able to answer questions about A.C.V vs. Replacement Cost as well as the reality behind cleaning and restoration. I can answer questions regarding policy compliance as well as questions of what to do when you don't agree with the insurance company's adjuster.
Experience I have over 5 years of experience adjusting claims for home owners, not insurance companies. I was also a fire victim. I am the founder and President of a non-profit organization that assists fire victims in specific counties with filling out and filing their personal property claims.
Organizations President of 1st Hand fire victims assistance program
Education/Credentials Associates Degree in Business Administration
Specialty Courses in Insurance Adjusting
State Civil testing
Yearly Continuing education
Awards and Honors United Way Award for Community Service to Fire Victims
Question We recently had a technician in the house to run an HDMI cable to our new TV. He had to go up into the attic and accidentally stepped on the sprinkler pipe, breaking it. Water poured down onto our couch and our BRAND NEW living room carpet. The carpet was 4 DAYS old! The insurance company for the electronics company sent an adjuster who has now recommended that the carpet be cleaned rather than replaced. The water had to be extracted by a restoration company, the water that fell on the carpet was "stagnant" since it was in the sprinkler system and that is not running water, the ceiling fell down and the wet insulation fell down on the carpet, the workers traipsed all over it. Now, they are proposing to re-lay it and clean it. What recourse do we have? Our carpet was brand new and will certainly not be brand new after all of this water extraction, stretching, cleaning, etc. Do we have to accept the insurance company's proposed settlement? Please advise. Thanks.
Answer Hello Jerilyn,
If this was YOUR insurance company I could tell you that no, you had new carpet they owe you new carpet. However, what you seem to have here is a third party liability claim. I am not licensed to address liability claims. I suggest you consult with an attorney.
In theory, however, I can tell you I agree with you.
