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The building hired a contractor to flush out the storm drains. Then, the exact thing happened that they were trying to prevent. Water backed up into the enclosed, under-buiding garage. Oily, silty water was just about up to the windows before anyone working on the project noticed. Then, once the interior of the car was drained, a fire started under the floorboard; which spread into the interior. They put out the fire by dousing the inside of the car with more water.
It's been a week now. I can't say we've recovered emotionally just yet. Waiting on the insurance companies to go through all their red tape. Hopefully, they at least reimburse us for what we paid for the car ...only FOUR MONTHS AGO.
What a kick in the *****. (Pic is after some of the water had been pumped out.)
Wow sorry to hear/see that. Ultimately that's what insurance is for I guess and property damage will be recovered. The hassle to deal with it all is definitely unfortunate but now you can get excited about finding another one once insurance had paid you out.
I hope the insurance company gives u at least what you owe on it (if u had financed it)…and not the typical new car depreciation that u read about (losing 20% as soon as u drive off the lot). This is exactly why gap insurance is offered.
I hope the insurance company gives u at least what you owe on it (if u had financed it)…and not the typical new car depreciation that u read about (losing 20% as soon as u drive off the lot). This is exactly why gap insurance is offered.
The car was not financed; gap insurance was not necessary. I'm doing all I can, and keeping my fingers crossed that insurance comes through. But, I'm not holding my breath. Although, there is more than one party involved in the maintenance project. So, hopefully, in the end, I at least get back what I paid for the car.
You have the choice of working directly with the contractor's insurance or your own. (Later, behind the scenes, your insurer would go for recovery from the contractor.) It's often easier to file with your own policy, but it does mean you now have had a "claim," even though you're not a fault. In the overall scheme of things, you're probably better off for it being an easy total vs arguing about partial flood damage (with the risk of future/hidden issues).
Remember, the adjuster is motivated to get the case closed and has room to negotiate. Patience and polite insistence are your friends. If you don't NEED a rental while the claim is open, go that route and remind them that you're saving them money. Pull comp's from some of the premium sites, like BAT, Cars.com, CarGurus. If you don't like their initial offer, tell them you need to do a little research and then use those comp's to ask for more.
You have the choice of working directly with the contractor's insurance or your own. (Later, behind the scenes, your insurer would go for recovery from the contractor.) It's often easier to file with you own policy, but it does mean you now have had a "claim," even though you're not a fault. In the overall scheme of things, you're probably better off for it being an easy total vs arguing about partial flood damage (with the risk of future/hidden issues).
Remember, the adjuster is motivated on getting the case closed and has room to negotiate. Patience and polite insistence are your friends. If you don't NEED a rental while the claim is open, go that route and remind them that you saving them money. Pull comp's from some of the premium sites, like BAT, Cars.com, CarGurus.
I would get an attorney to file suit against the contractor for recovery of all costs involved in purchasing, licensing and insuring the vehicle plus emotional damages.
I would include rental costs until case is resolved.
This is clearly a case of total incompetence on their part.
The only way you will get out whole is by going after the contractor.
Your insurance is unlikely to be so customer friendly as o pay you for the new car replacement value.
Strongly recommend getting an attorney and not discussing further with your insurance.
You won't find a judge that will grant emotional damages even though many of us love our cars like a pet or family member. However I wouldn't take one cent less than the total value that it cost to buy an exact replacement plus the cost of a rental vehicle. The car is totaled just as surely as if it were driven off a cliff into the Grand Canyon. I would never touch a flood damaged car at any price, the modern electronics are too easily damaged beyond repair. There will certainly be some value to someone for a lot of the other components that can be salvaged when it is parted out but I would let somebody else who buys it at auction deal with that.
The sight of that vehicle can make a grown man cry, that's for sure.
MY 2017 is a grey coupe as well, and so I am really feeling your pain. Contractor actions So irresponsible, "zounderkite" comes to mind. It's often difficult to understand why things happen like they do. The important thing is that YOU are OK. All good thoughts coming to you from this forum, best wishes on your search for a replacement. Please post again when you get your new one!
05-24-2023, 01:40 PM
My car drowned
(Pic is after some of the water had been pumped out.)
