Insurance - house flooded

big long story...but the short of it is....came home today with about 4" of water in the kitchen.

Looks like water got to about the middle of my living room. Called the insurance agent, they gave me a number for a clean up place. I didn't open a claim right away because I wasn't sure how much damage I had. Once the clean up place got here they stated that the carpet was toast, and they started the clean up process. So...after that point I open a claim and all that is moving along fine.

My question...what is the typical thing for Allstate to do? if the carpet is ruined in the living room, and dining room...will they replace both of the those rooms? will they replace only part of those rooms? will they replace the entire house since it all matches now?

thanks for the help!!

Also...the steamatic place that did the clean up took the carpet that was damaged, as well as the hose that broke. The adjuster called me today and stated to be sure and keep the damaged stuff. Is it standard procedure for these clean up place to take the damaged stuff with them? I mean...why would they take the busted hose? I left a message with the company...they better still have that stuff!

If the adjuster wants to see the damaged carpet and burst hose, have the cleanup company bring it back. They were just getting rid of it for you, and unaware that your adjuster hadn't seen it.
The insurance company probably will only replace carpet and padding that is damaged.
Don't forget to check under the flooded flooring to see if it is insulated. That will likely be ruined, too.
Make absolutely certain that everything is thoroughly dried out, and that no mold or mildew is present.
Good luck!
Mike

For the carpeting to be replaced, the insurance company may prorate it. If the carpeting was 10 years old you probably won't get as much compensation as carpet you just installed this year.

I have replacement cost on my insurance.

they paid nicely...got over $600. And got the entire house done forr $500. (1850 sq ft). Helps to have a buddy that does carpet! :)

thanks!

I've got to say, I've been pretty satisfied with my Allstate coverage after Hurricane Ivan.

The truth will come when my policy is up for renewal....