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Uh. Home damage.

Wednesday, January 11, 2017

There are always unexpected costs with owning a home. Right now I had to initiate an insurance claim for home damage. It began when I noticed moisture seeping up between the planks of the nice cherry floors in my office addition.

I thought that there might be a drainage problem with my basement. My handyman friend Tony came over today, and told me no. My problem began all the way up at the roof.

The ice dams have built up between the addition and the main part of the home. Tony pointed out the gutters are separating from the house due the weight of ice.

Inside the house the ceiling is wet where the addition joins the main house.

And the carpet is wet down below in the dining room. Outside, Tony pointed out there the moisture has run all the way from the roof through the walls; it is seeping out and forming ice at the foundation. (the photo below is looking down at the ground from my deck)

So I have called the insurance adjuster, and I have called someone to remove the ice dam. It's nerve-wracking and scary waiting to find out if there is mold inside the walls. And waiting to find out how much damage there is.

I'm afraid my beautiful home office will have to be torn apart and rebuilt, and that the roof will have to be replaced. And I had a BIG claim last year (storm damage) so I worry about losing my insurance coverage.

Views of my home office (now a library and music room). It's a little untidy, but not as chaotic as it was when I was working!

Oh well there is not much more I can do. Repairs will require insurance approval and licensed contractors. I have to take it just one day at a time, one challenge at a time. The contractor who did the addition (10 years ago) hasn't returned my calls. (EDITED TO ADD: he did call me back within 48 hours, and he was very helpful). I'm hiring someone to remove the roof dams as soon as possible. And I am sure the insurance adjustor will call me. I THOUGHT that my metal roof protected me from ice dam damage. I was wrong to make that assumption.

And a beautiful relaxing view from the home office window, so I can close on a more relaxing note.

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Member Comments About This Blog Post
    Lovely, beautiful home and office. So sorry about the damage. YES, one thing at a time.
    1370 days ago
    Thank you for the beautiful view from the window, which was such a treat... But my goodness Alison, you are going through a lot of stress right now, and I am really sorry your lovely office room will have to be destroyed and rebuilt. It is starting to make me a little worried about owning a house... and it is convincing me even more to start putting money on the side specifically for the house if something happens that isn't covered by the insurance.
    I do hope you won't have any insurance problems though! emoticon
    1382 days ago
    I am not an insurance expert by any means, but AFAIK they cannot drop your homeowners coverage, but they can put in special clauses: for instance, when our roof had to replaced twice w/in 5 years due to hail damage, we could not file another claim for the ROOF for 10 years!
    1383 days ago
    OH Jeepers Alison I am so sorry about this damage,you should not lose your insurance because of last year and this year they ought to know things like this happen. I just ask Gary he said they don't drop home owners insurance he has heard of car insurance but not the other. I hope you get reliable contractors
    Yes that is a beautiful view from your window pane .take care
    1384 days ago
    Yikes =/ Your house looks lovely, by the way. Your home office looks very cozy :)
    1384 days ago
    I hope you can sort this out quickly and effectively.
    1384 days ago
  • CDCSMITH2013
    I feel your pain. February of 2015 for us.
    1385 days ago
    This is so disturbing. Not only the extent of the damage but that the original contractor is missing. The weight of the snow is always an unknown but I have to wonder who else this person worked for and if they might be able to track him down.
    1386 days ago
    This kind of problem is so frustrating, but taking it one day at a time is a good sound approach.
    1386 days ago
    Hi Alison.........
    I am very sorry that this is happening to you. Our oldest son had to repair a roof because of an ice dam a couple of years ago. They watch that corner very carefully now and use a long roof rake to get rid of snow every time it accumulates. Our problems usually occur in the spring when we have rain that isn't just a normal rain, but a deluge. We have to watch our sump pump closely or we end up with a flooded basement. Being a home owner isn't always fun, but if you are dealing with a good insurance company, they should get someone out to you ASAP and take care of the damage. This was NOT negligence on your was Mother Nature and something that you could NOT control. I sincerely hope that they are good about taking care of you in a timely fashion and that they cover everything.

    1386 days ago
  • no profile photo CD15998960
    You have such a beautiful home and views! What a shame that beautiful wood is getting damaged. Hoping you can get it fixed and that you don't lose your insurance! emoticon
    1386 days ago

    Oh yikes! I'm sorry that you are getting hit by the snow, it must be scary to just have to wait and see how much damage there really is.
    1386 days ago
    So sorry!
    We have a lot of snow, our sump pump helped us out in the basement.

    Pat in Maine. emoticon
    1386 days ago
    I'm so sorry you have to deal with all of this. Hope the insurance adjustor gets back to you quickly, and that there is no mold.

    1386 days ago
    My heart goes out to you. We have dealt with a bunch of other home issues including drainage issues where we needed to get sump pumps and regrade and roof issues, etc. My advice to you is get many opinions on mold.. There are a lot of con artists trying to scare people out of many thousands or even tens of thousands of dollars. Thinking of you and hoping you can get all this resolved smoothly and with as little aggravation as possible.
    1386 days ago
    Seems there's always something. Just breathe and try not to get too stressed. Does no good in solving things. Yes, home repairs are non-stop.
    1386 days ago
    I'm so sorry, it's always stressful to deal with house problems. I hope everything works out, and repairs go quickly and smoothly.
    1386 days ago
  • HIKEAT70
    Sorry for the damage
    1386 days ago
  • KMEGAN22
    1386 days ago
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