I used to be an insurance adjuster. Coverage for this is questionable and the damages would likely be under your deductible. This is a workmanship issue, so the J channel itself isn’t covered. The (hopefully minimal) ensuing water damage would likely be covered, though. My main concern is water inside the wall saturating insulation and creating a mold issue.
Comment on Installing J-channel under existing siding?
Pogbom@lemmy.world 5 months agoWow, is this to say insurance might pay for it to be installed? It’s about 5 years old but we’ve owned it for 3-4, so it’s fairly new but we’ve been sitting on this issue for a while. Thanks for your help either way!
PlantJam@lemmy.world 5 months ago
Pogbom@lemmy.world 5 months ago
Thanks so much for the extra info… sounds like I’m on the hook for getting it added but that’s what I expected anyways :)
infinitevalence@discuss.online 5 months ago
Never sit on water issues, water will do more damage to a house than just about anything short of a fire. I would assume if your house was on fire you would call someone… take water just as seriously.
The longer water issues go the more work and the more cost. If the house is only 5 years old, it should have been covered under the builders warranty as soon as it was noticed.
Pogbom@lemmy.world 5 months ago
Yeah, from the other comments here, I’m starting to see the severity of the issue. This was a custom build and not a big developer, but I might be able to track down the window installers. Thanks for your help!
sxan@midwest.social 5 months ago
Do not suggest or admit that you’ve been sitting on the problem! Say you just noticed it after a heavy rain.
Many policies have clauses that if you notice an issue and don’t deal with it immediately, insurance won’t cover any damages. Don’t ask me why; I only know this from experience.
I love my insurance. When we had an issue, and I was talking to our agent, I mentioned we’d noticed it and it had been going on for a while. She said, very carefully, “are you saying that you first noticed this issue X weeks ago?” I didn’t pick up on the hint and confirmed I’d first noticed water a while back but thought it was something else. She then told me that any damage resulting from an issue that the policy holder was aware of, but let go, was no longer covered. She had tried to give me an out; my bad for not catching it.
Your insurance policy will be totally different from mine, and I’d never suggest you lie or do anything that might be construed as insurance fraud. But I would recommend that you think very carefully about what information you volunteer and how you word it.
Pogbom@lemmy.world 5 months ago
Haha thanks for the suggestion! I’ll be sure not to overshare :)