Submitted by thenightispink t3_10x7not in newhampshire
Alright, I can't be the only person this has happened to, surprised to not see a post here. Our whole apartment flooded on Sunday. No insurance. A bunch of stuff got ruined. We are with ElmGrove Properties. Any one else experience this? Any tips for literally anything? Just want to start a thread.
Whatever it was it was cold. And our heat went out.
Dude. No renter's insurance? I learned that the hard way, too. In Orono, ME the dumb dipshit diagonally below me started a fire by putting a candle on a wooden chair and then taking a shower. Place went up FAST and I just barely got out with my cat and ferret. Fire Dept got there quick and contained the fire. One dude lost his dog. Place was on fire and it took, like, three firefighters to hold his ass down 'cause he WAS GOING into the building to save him. In the end, my apartment was only partially damaged by fire but whole apartment filled with smoke and ruined all my shit that wasn't in bins. No insurance, never again.
What sucks is I had renters insurance for 7-8 years from when I moved here b/c I lived in crappy places/sketchy places. But I moved into a nicer place (I think it may be considered a luxury condo) and figured I could do without insurance since it was a new complex. So I didn't pay it when it renewed and now here I am. Go me.
Yeah always have renters insurance. You never know when your number is up
Yeah, with how inexpensive it is, it really makes no sense not to have it.
Insurance companies are in the business of making money—not the business of giving out free money to poorly maintained complexes.
Most people will get less out of the deal than what they paid in. The idea is that you'll play smaller sums over time, but they'll take care of you if the big one hits. For home owners the option is to either pay $1000/yr for every year you own the home, or pay ~$250k to rebuild your home should it burn to the ground. Insurance companies make enough off of the majority to pay for the minority of cases which do happen.
tl;dr: Always have insurance if you can't afford to pay for something out of pocket.
Something that Warren Buffett said about 15 years ago in his annual report. He described, in detail, why insurance is a great busines to be in.
Your complex doesn't require renters insurance? Every complex I've lived in for the past 10 years required it. Weird that they don't.
Nope. Everyone keeps asking me that. I checked my lease yesterday and talked to the property manager and no they do not require it.
Does the property manager know? How are you drying things out? I imagine mold is a real concern.
Yes the property manager absolutely knows. Several places flooded in this complex. My things are mostly drying out and they started demoing walls today
My son's workplace got flooded from the cold weather. Frozen pipe. It's a 35 story tower but I don't know which floor the problem was in. Plumbers are crazy busy in MA and NH dealing with this stuff.
Yeah everywhere is backed up. It was just crisis after crisis in NH after Saturday.
It is up to the property management company to provide you mold free heated and livable accommodations until repairs can be made to bring the apts back to livable. The state and towns have housing authority folks you can find through your local government that can help make sure things go correctly.
Regarding your things.... you'll need to find dehumidifiers and low temp heaters to dry them out safely without damage. Some things will never be right again and might need to be tossed. Check online with places like Servpro as that is the type of thing they deal with and they can advise what can be saved and what cant.
Where would I find info of people who can make sure the property company is doing things correctly?
contact your local government.
They can help out.
I'm sorry. I'm not sure where elm Grove is, but if it's in southern NH and you need any food, I don't mind getting you a gift card for a local super market.
Good luck.
I don’t think it happens to a large portion of the population here like it does in other places because we get cold snaps like that every year so unless something goes very wrong it’s not a major event for most people.
Didn't run the faucets?
Our heat went out and they never sent maintenance to fix it, even though we requested them.
DeerFlyHater t1_j7qx9no wrote
What does the property manager say?
Hope you have renter's insurance.
You didn't get -40 temps.