PetalPerfection

PetalPerfection t1_j8wqsjt wrote

Bullshit. In 2015 my husband and I ran our first half marathon. 5 minutes after my husband finished the young guy who finished right after him fell on the ground and died of a heart attack. It’s unfortunately fairly common in distance running for people to die of heart attacks, sometimes due to electrolyte imbalances and sometimes just do pushing yourself too hard.

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PetalPerfection t1_j77ckbe wrote

Fwiw, I personally think Lincoln is better for top rope or leading than bouldering. If you are just into bouldering and are a newbie, CRG Warwick is the best spot. If you are ready to advance your bouldering, I recommend Rock Spot Providence as it’s all bouldering and definitely geared towards folks with experience.

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PetalPerfection OP t1_j49a90p wrote

I’m so sorry this happened to you. It’s insane that the city can cause massive and unexpected damage to your home and then just take their sweet time compensating you for their damage.

We made several calls to 311 and the lawyer finally got back to us yesterday. Now we have the form that we need to get the check but I can only imagine how long it will take for the check to arrive.

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PetalPerfection OP t1_j3xxqu5 wrote

Ahh, I was hoping it was with the specific city council member. I spoke with one of the constituent associates early on in this saga and they referred us to the claims department and the head of sewer (both of whom we were already dealing with). I have not, however, reached back out recently about the latest issue so I’ll give it another go. Thank you again for this suggestion.

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PetalPerfection OP t1_j3xx82w wrote

We thought the same thing. Unfortunately it’s near impossible to sue a city. Wish I was joking. We met with a lawyer and it turns out the only way we could sue here is via negligence and we thought we had a good case for that but nope. Turns out that we would have needed to prove that the city knew this situation could happen. And because this was likely caused by a fat berg it was even less likely to be deemed negligence by the city. because it’s homeowners who pour cooking oil down the drain and flush tampons and other things like that, that cause fat bergs to form.

As I noted to the other person who mentioned a lawyer below, we talked with lawyers and no one wanted to deal with this. The claim is approved at this point so hiring a lawyer, again, at this stage means paying out of our own pocket.

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PetalPerfection OP t1_j3xv7v5 wrote

I appreciate the advice but we did get a lawyer involved at the start. Dealing with the city is not at all the same with dealing contractors.

First off, most lawyers didn’t want to touch this issue with a 10ft pole because it’s near impossible to challenge a city on these matters. We had to call the Rhode Island bar association to even get someone to talk to us about what our rights were and what we can do. If the city had refused to take responsibility that would have been different but they admitted responsibility from Day 1.

Secondly, we were basically told that the insurance company is under no obligation to chase the city on our behalf. Our policy allowed for $5k in sewer damages, and as noted, we were lucky we even got that. They denied us twice. Could we have kept fighting them? Maybe, but that would have slowed down this process even more. No one wants to deal with city claims because cities are slow to pay out.

And for the record, if we don’t get an answer from the city lawyer soon we will go the legal route again but that means losing money again and we don’t get to recoup those fees.

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PetalPerfection OP t1_j3wx8uj wrote

Oh, and fwiw, insurance companies not paying out for city damages is apparently a thing. We were told by our cleaning company, AND by various contractors that we spoke with for estimates that insurance companies almost always deny claims having to do with damage caused by the city. Apparently we were lucky to even get $5k. If anyone on here is an insurance claims specialist I’d love to know what that is about.

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PetalPerfection OP t1_j3wvk2m wrote

We agree but State Farm did not see it that way and this may have to do with the size of the claim (over $30k). From the insurance companies POV this is the city’s fault, and therefore the city must be the ones to pay out to us. Insurance gave us $5k, which is what we had for sewage coverage. That $5k did not even cover the hazard cleaning that was required, we still owe another $3k to that company. (Cleaning company has been amazing btw, can’t say enough good things about Clean Works who have been also calling the city lawyer on our behalf)

This is just one of many frustrating things that has occurred as part of this incident.

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