My months old 997 taken by Sandy
11-01-2012, 08:38 AM
#1
My months old 997 taken by Sandy
Picked my 07 S up after a long search back around may... had PSE installed this past Friday - was looking forward to that for a while as well. Got to put 15 miles on it with the PSE roaring and loved it..
Mon night I watched as the bay water rushed down my street (I live 4 big blocks away from the bay) and engulfed everything from my what I thought was safe spot on the porch. It was surreal and I cant come up with a better description than that on the 3 hours of sleep I had in the last 48 hours...
My 997 had water to its roof.. as the water was rising, the brake lights and horn came on and finally as a last goodbye the rear spoiler extended and retracted several time and "Waved" at me. My X5 had water to almost its brake lights but started with a big gush of water from its exhaust without much complaining... Im pretty sure its a gonner though as the dash board is a Christmas light display of error messages.
some practical questions as a side topic:
this was salt ocean water and it covered 100% of my basement.. I am getting very conflicted opinions as to the state of my mechanicals...
i have gas heat (big boiler) and a gas hot water heater. also have an AC air-handler down there - are any of these fixable?
had a washer/dryer/freezer - I assume those are now scrap metal
All my tools - electric and pneumatic (router, compound miter, drill press, compressor): should I assume those are all scrap as well?
I am told my insurance company that covers a significant number of neighbors is already denying claims bc this was a natural disaster flood and not a flood caused by a leaky mechanical system in the house. The hurricane insurance doesnt cover flood... anyhow need to wait for the adjuster at this point.
Mon night I watched as the bay water rushed down my street (I live 4 big blocks away from the bay) and engulfed everything from my what I thought was safe spot on the porch. It was surreal and I cant come up with a better description than that on the 3 hours of sleep I had in the last 48 hours...
My 997 had water to its roof.. as the water was rising, the brake lights and horn came on and finally as a last goodbye the rear spoiler extended and retracted several time and "Waved" at me. My X5 had water to almost its brake lights but started with a big gush of water from its exhaust without much complaining... Im pretty sure its a gonner though as the dash board is a Christmas light display of error messages.
some practical questions as a side topic:
this was salt ocean water and it covered 100% of my basement.. I am getting very conflicted opinions as to the state of my mechanicals...
i have gas heat (big boiler) and a gas hot water heater. also have an AC air-handler down there - are any of these fixable?
had a washer/dryer/freezer - I assume those are now scrap metal
All my tools - electric and pneumatic (router, compound miter, drill press, compressor): should I assume those are all scrap as well?
I am told my insurance company that covers a significant number of neighbors is already denying claims bc this was a natural disaster flood and not a flood caused by a leaky mechanical system in the house. The hurricane insurance doesnt cover flood... anyhow need to wait for the adjuster at this point.
11-01-2012, 09:08 AM
#5
Three Wheelin'
Join Date: Oct 2012
Location: North Carolina, '12 cls63 '14 S550V4, 07TT-gone, 07Targa4S-gone
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I fooking HATE insurance companies........I am currently without home owners this year......(pray)
I have been a home owner since 07 and have been paying over a grand a year for essntially nothing IMO......so this year I told them to eat me.......hope that doesn't come back to haunt me......
good luck PasPar2
I have been a home owner since 07 and have been paying over a grand a year for essntially nothing IMO......so this year I told them to eat me.......hope that doesn't come back to haunt me......
good luck PasPar2
11-01-2012, 09:43 AM
#6
I'm sorry to hear of your flooding. I live in Maryland with friends and family in Delaware. The water has taken lots of property. As for your mechanical items; Brackish water and salt water corrodes quite bad. I'd assume anything electrical is toast. Any steel or other metals will surely have rust issues that will pop up as time goes on.
I know it is hard, but try to put the perspective that you and your family are safe at the top of the list of blessings. Other things are possessions and hopefully can be recovered or replaced. Best wishes
I know it is hard, but try to put the perspective that you and your family are safe at the top of the list of blessings. Other things are possessions and hopefully can be recovered or replaced. Best wishes
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11-01-2012, 09:57 AM
#8
Nordschleife Master
I am really sorry for you! I'm in Ny area but was lucky,my P-car was fine in the garage. Unfortunately,this is how I've imagined insurance companies course of action in case something like this ever happened...giving you the cold shoulder.
Salt water is way worse than sweet water because it continues to eat away electrical components and metal(rust) long after it's gone.
With all my heart I hope you'll have this resolved one way or another!
Let us know the outcome...
Take care!
Salt water is way worse than sweet water because it continues to eat away electrical components and metal(rust) long after it's gone.
With all my heart I hope you'll have this resolved one way or another!
Let us know the outcome...
Take care!
11-01-2012, 10:16 AM
#10
Rennlist Member
First off, sorry to hear. We got a taste of Sandy but not nearly what the Jersey/NYC area was hit by. I have an office in CT and it just got power back today.
Anyway, I used to work for an insurance company. If they deny your claim(s) I recommend you get a lawyer and sue not only the insurance company but your insurance broker (the person that sold you the policies). More than likely they will settle with you but it might take time considering how many people are in your situation.
Who is your insurance provider? Your car should be covered under your comprehensive policy.
Anyway, I used to work for an insurance company. If they deny your claim(s) I recommend you get a lawyer and sue not only the insurance company but your insurance broker (the person that sold you the policies). More than likely they will settle with you but it might take time considering how many people are in your situation.
Who is your insurance provider? Your car should be covered under your comprehensive policy.
11-01-2012, 10:24 AM
#12
I don't even really know what to say.....I'm so sorry for your heartbreaking losses!
As I age I regrettably get to find out what "loss" is all about with my immediate family shrinking as the inevitable years roll by. I've had a blessed life no matter what happens now and as bad as things are, if you and your loved ones are O.K. then you truly did dodge a bullet. I know it's hard to see it that way now!
Tomorrow will come and will be better than today and so on and so on......until these terrible tragedies are a distant memory.
All the best of Luck in the coming days weeks and months!
Tom
As I age I regrettably get to find out what "loss" is all about with my immediate family shrinking as the inevitable years roll by. I've had a blessed life no matter what happens now and as bad as things are, if you and your loved ones are O.K. then you truly did dodge a bullet. I know it's hard to see it that way now!
Tomorrow will come and will be better than today and so on and so on......until these terrible tragedies are a distant memory.
All the best of Luck in the coming days weeks and months!
Tom
11-01-2012, 11:45 AM
#15
Drifting
My sympathies on the property loss and I am glad that you and your family are all right.
Any electrical device that got salt water in it is toast. Perhaps not now, but soon. If you are able to collect any insurance payout, be aware that even if an HVAC or other system seems to have survived, its life has been drastically shortened by the salt water. Replace it now. If you are covered, replace any and all items that you even suspect of being soaked. You can't go back later and have stuff replaced. In fact, even if your BMW still runs fine, I doubt you'll be able to sell it to anyone if they suspect it was ever flooded--better to total it out now.
I am not surprised that insurance companies are denying flood claims. That's SOP for them and recently (post Katrina), I have noticed that agents are making it very clear that a natural flood/landslide/avalanche are not covered under a homeowner's policy--if for no other reason than to sell more flood policies. I imagine there are going to be alot of angry people in your area after they talk to their agents. We just changed all of our policies and I pored over alot of topo maps and flood zone maps before I made the decision to not get flood insurance.
Any electrical device that got salt water in it is toast. Perhaps not now, but soon. If you are able to collect any insurance payout, be aware that even if an HVAC or other system seems to have survived, its life has been drastically shortened by the salt water. Replace it now. If you are covered, replace any and all items that you even suspect of being soaked. You can't go back later and have stuff replaced. In fact, even if your BMW still runs fine, I doubt you'll be able to sell it to anyone if they suspect it was ever flooded--better to total it out now.
I am not surprised that insurance companies are denying flood claims. That's SOP for them and recently (post Katrina), I have noticed that agents are making it very clear that a natural flood/landslide/avalanche are not covered under a homeowner's policy--if for no other reason than to sell more flood policies. I imagine there are going to be alot of angry people in your area after they talk to their agents. We just changed all of our policies and I pored over alot of topo maps and flood zone maps before I made the decision to not get flood insurance.