I would love to know who made the tank! Esp since it was custom!
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The tank was made by Aqueon, at my local fish store that I have been going to for 4 or 5 years now. When I set it up i checked that the floor was level, and the stand it is on is an "Approved stand" or whatever because it was custom. so the thing was DEFINITELY level and correctly supported- no rocks fell that night. I also have egg crating on the bottom, so weight was evenly distributed and no pokey rocks could have created a weak point.
ALSO- if anyone is curious about using the new aquascape fix by fauna marine, i HIGHLY recommend it. I literally could NOT get my rocks apart to find my fish in this disaster, and i didn't have time to boil water, so i had to take a chisel to my aquascape . After everything was said and done, i went through my rocks one by one and spooned hot water on the epoxy and chipped it right off so I can use it again when i set back up.
also, do you know how thick the glass on your tank was?
Shoot, I'd have to look- this is something I should know off hand, but I don't.
I attached a picture (i honestly don't post much here, normally just creep, so hopefully i did this correctly). Ignore the crazy wires, i obviously had to rip everything that was plugged in so i wouldn't get shocked standing in an inch of water.
I agree 100% I have Theft coverage and Huge Natural Disaster coverage with a High Deductible. I fought with my Insurance company Complaining trying to charge me more saying I did NOT have enough insurance to rebuild my home in case of a fire.. But the thing is i can Buy two homes just like mine for the amount they tell me i need..
Even if you do get them to pay for this.. Carpet base drywall and a few cabinets . your insurance raise because of the claim will cost you much more...
I actually have a MOLD Mildew Lead paint and hazmat osha Partnership and a few other useless pieces of paper i had to buy. OOPS take classes for to do some of the work i do in schools and gov buildings...
ITS ALL About money.
I contacted a public adjuster and we are hiring him to help our case. The emergency people (Servpro) did come out within 2 hours and got fans and dehumidifiers going immediately, as well as sucking up all the water. This morning the drywall is dry to the touch, and the walls actually look perfect. The floor of course is ruined and the kickboards on my cabinets, but otherwise everything seems to have dried out okay.
I am going to chime in on this...and your not going to like or enjoy some of the answers.
1. You need to read and understand what your paying for with your homeowner or renter policy, and all insurance policies for that matter. It's very common for agents to sell less coverage to show lower rates.
2. Servicemaster, or a water remediation company can help if acted on quickly. Fans (a ton of them) and dehumidifiers can save baseboard (sometimes) and drywall and cabinets. Time + the bacteria that are in our aquariums are not your carpet's friend.
3. You probably can't sue your insurance company. I don't know the laws in your state, but your policy may call for mediation only. See #1.
4. Being able to hold any insurance company liable for something someone who works in their phone bank tells you is next to impossible. Some attorneys will take your money and tell you otherwise. See #1 about in writing.
5. Geico, State Farm and other major insurers suck. I suggest after this is done looking at your states complaint database when selecting a new insurer.
6. Since your in a condo, you might need to look at what is past the drywall. This could involve neighbors or the building. This might be a reason to need an attorney.
Very sorry and wish you well. Been through this multiple times with overhead fire sprinklers freezing in my office buildings and living in hurricane prone areas. I have found it cheaper to not be covered and to pay for it myself and take steps to prevent it. Your not really out a home....trust me, roof is still there, you still have electric, plumbing and to a certain extent privacy.
So i did have Servpro come (see above), and like i said everything actually looks kind of okay. I definitely want to switch or take a second look at my insurance- the Public Adjustor actually told me I had a good case, because the insurance company didn't even come and look at the damage when they denied me. They couldnt even state a particular part of my policy where it falls under an exclusion, they just said it wasn't included in the "16 points that are covered". however, my adjuster said that if it isn't specifically excluded, then it is their fault and it has to be covered.
So far my one neighbor who would have been affected hasn't said anything.... so I am going to assume that they don't have any water damage in their home ? lol
Then i think you have done the right thing. I would of course consult a lawyer.As far as the amount of damage for sure get others to look at it.
At this point get several very well Documented Estimates.and detailed report s from the cleanup company..
What you can do yourself to prevent further damage..
1 Remove anything wet and keep fans on. .
2. Because its living space. Get a Pump sprayer and a Gallon of SHOCK-Wave.. Spray this on all the walls at baseboard and lower. being sure to get it soaked under the wall seal plates , Behind the cabinets and under them as much as you can.. Move furniture out from walls to allow the to dry out...
This will limit the damage and risk of mold spreading into the walls . SHOCK Works .I Keep it on my work van and use it every water leak i repair then i paint all effected area with OIL Base killz before i cover it back up..
I will look into this shock-wave spray- i haven't heard of this before ! Although I am very familiar with Killz. Maybe I should have just painted all my walls with killz. lol. MARINE PROOF HOUSE !
Overall, thank you soooo much everyone. Has anyone ever worked with a public adjuster before ? The guy came yesterday and made me feel soo much better about the situation.
When I get new floor, I am going to put tile down for sure. Has anyone ever looked into "waterproofing" their baseboards at all ? I mean killz would only go so far on a baseboard, but if we put a small strip of rubber on the bottom or back to "seal" the baseboard against the wall ? I dunno it sounds stupid when i type it out. I just NEVER want to go through this again, and if i spill a bunch of water I just want to be able to rent a water vacuum and clean it up myself and have my walls be okay !
. So I rented 4 fans and placed them throughout the are, moving around a bit every few hours (5 or 6) and ran for 4 days straight. I also bought multiple buckets of damprid and placed around the area. I also pulled up the carpet in the room that carpet got wet to dry the pad. Everything dried, no moister after and we did a mold test 2 times(one at time and one weeks later) and everything was good.
