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Post by Foggy on Mar 6, 2021 17:18:27 GMT -6
A guy I know from back in Crosslake MN bought a home down here in OZ at Pebble Creek a few miles from my place. He just called me a while ago. He is having a major home problem. He bought a nice, small home about two years ago with a perfect location. The home is 15 years old. He bought it direct from the owner....whom insisted he not have a home inspection done. He didn't......and yesterday they found they have an on-going water leak in the wall. It was behind some cabinets....but the cabinets and walls and floor tile and more will need to be replaced. Evidently it's been leaking for a while. Seems the plastic pipe was held together with duct tape?? (hard to believe that is the case).
He don't know where to turn. I told him of a guy that does inspections......and maybe he could add some validity to some poor construction techniques or products. I think they did have allot of bad plastic pipes back in the day....at least for irrigation pipe....as much of that has needed replacement.
Anyway......I am wondering........ does insurance typically cover this type of damage from a leaking pipe?
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Post by Freeborn on Mar 6, 2021 18:17:09 GMT -6
I’m sure it depends on the policy. Insurance is another thing that the fine print can catch you.
I’m surprised that wasn’t caught. All lines in Pulte’s build are pressure tested for leaks. All Lines have to hold pressure to pass inspection. Maybe 15 years ago they did not have such a test.
That will be expensive, hopefully there is no mold.
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Post by Foggy on Mar 7, 2021 9:01:42 GMT -6
I’m sure it depends on the policy. Insurance is another thing that the fine print can catch you. I’m surprised that wasn’t caught. All lines in Pulte’s build are pressure tested for leaks. All Lines have to hold pressure to pass inspection. Maybe 15 years ago they did not have such a test. That will be expensive, hopefully there is no mold. I'm pretty sure that the lines were pressure tested 15 years ago.....and I know that is the case in the past 10 years. Hard to believe that the duct tape had anything to do with the pipe connections. Unlike MN however.....they do not have 3rd party building inspectors here tho. I think that the supervisors are the inspectors in most cases. When we built in Crow Wing county.....there was no local building inspection either......unlike New Ulm where the city had an inspector. I suppose it varies everywhere. Not sure about mold......but I expect this could be an issue. I just dont know if insurance will cover on such a thing??
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Post by smsmith on Mar 7, 2021 9:11:58 GMT -6
I’m sure it depends on the policy. Insurance is another thing that the fine print can catch you. I’m surprised that wasn’t caught. All lines in Pulte’s build are pressure tested for leaks. All Lines have to hold pressure to pass inspection. Maybe 15 years ago they did not have such a test. That will be expensive, hopefully there is no mold. I'm pretty sure that the lines were pressure tested 15 years ago.....and I know that is the case in the past 10 years. Hard to believe that the duct tape had anything to do with the pipe connections. Unlike MN however.....they do not have 3rd party building inspectors here tho. I think that the supervisors are the inspectors in most cases. When we built in Crow Wing county.....there was no local building inspection either......unlike New Ulm where the city had an inspector. I suppose it varies everywhere. Not sure about mold......but I expect this could be an issue. I just dont know if insurance will cover on such a thing??I'd be surprised if it does. Maybe if he had had an inspection done, but without one...I'd guess it will be an "exclusion" Why on earth didn't he walk away when the previous owner insisted on not having an inspection done?
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Post by Freeborn on Mar 7, 2021 9:17:15 GMT -6
I’m sure it depends on the policy. Insurance is another thing that the fine print can catch you. I’m surprised that wasn’t caught. All lines in Pulte’s build are pressure tested for leaks. All Lines have to hold pressure to pass inspection. Maybe 15 years ago they did not have such a test. That will be expensive, hopefully there is no mold. I'm pretty sure that the lines were pressure tested 15 years ago.....and I know that is the case in the past 10 years. Hard to believe that the duct tape had anything to do with the pipe connections. Unlike MN however.....they do not have 3rd party building inspectors here tho. I think that the supervisors are the inspectors in most cases. When we built in Crow Wing county.....there was no local building inspection either......unlike New Ulm where the city had an inspector. I suppose it varies everywhere. Not sure about mold......but I expect this could be an issue. I just dont know if insurance will cover on such a thing?? It does make you wonder how long that plastic piping can hold up under temperatures like we have in Arizona. I just had our house inspected in OZ and for the most part it went well. One issue I had was a tear in the membrane of my roof insulation. I asked the inspector what he thought about longevity of that membrane and he thinks its going to be a problem. He says the better builders are using spray foam. I can see that each year I will be going into my attic doing an inspection for water lines and other issues. I'll still hire for the mechanical stuff to be annually inspected. I guess its part of owning a home but I hope it all stays together as long as I'm around.
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Post by Freeborn on Mar 7, 2021 9:18:19 GMT -6
I'm pretty sure that the lines were pressure tested 15 years ago.....and I know that is the case in the past 10 years. Hard to believe that the duct tape had anything to do with the pipe connections. Unlike MN however.....they do not have 3rd party building inspectors here tho. I think that the supervisors are the inspectors in most cases. When we built in Crow Wing county.....there was no local building inspection either......unlike New Ulm where the city had an inspector. I suppose it varies everywhere. Not sure about mold......but I expect this could be an issue. I just dont know if insurance will cover on such a thing??I'd be surprised if it does. Maybe if he had had an inspection done, but without one...I'd guess it will be an "exclusion" Why on earth didn't he walk away when the previous owner insisted on not having an inspection done? Agree with this, I would never buy a home without an inspection.
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Post by Foggy on Mar 7, 2021 9:40:29 GMT -6
I'd be surprised if it does. Maybe if he had had an inspection done, but without one...I'd guess it will be an "exclusion" Why on earth didn't he walk away when the previous owner insisted on not having an inspection done? Agree with this, I would never buy a home without an inspection. Yep, agreed. He now knows he never should have bought the home without a 3rd party inspection. I think he found a "great deal" and was afraid he would lose "the deal" (low price). Sadly, He likely got what he paid for. Gotta wonder if the previous homeowner knew of the issue? I'm not sure if he has a leg to stand on. From what I read this morning.....a sudden burst pipe will most likely be covered. But if you have a slow leak in a pipe that causes damage.....you are gonna regret it. I'm unsure what he has here.....but it sounds like a slow leak to me. I was doing a little reading this morning......and I do wonder about periodically having some inspection done on things like plumbing and roof for possible leakage. We are having some 1st year repairs done to our home here after getting a good third party inspection. Our front door needs to be re-hung according to the inspection. I talked for a time with the guy that is doing the work. He is coming back to do our front door. He told me that the best builders dont usually have very many issues that are unresolved. He works at all kinda of builders. He claimed that Shea Homes and Robson are some of the best builders in the Valley. I was happy to hear that. I'm not familiar with Shea......but have seen some signs for their homes.
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Post by biglakebass on Mar 7, 2021 9:45:10 GMT -6
How would an inspection have even found this issue he had?
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Post by Foggy on Mar 7, 2021 9:47:28 GMT -6
How would an inspection have even found this issue he had? Those inspectors know where to look and what to look for. Any "punky" drywall or wood, etc. I wonder if this was a slow (pinhole type) leak that has gone on for some time? I really dont know. I don't want to ask too many more questions lest I get too involved in his issue. EDIt: The most important role of an inspector could be that the inspector did not find any problems when you bought the place.....therefore it was a "sudden" leak and not an ongoing problem. Valuable.
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Post by Freeborn on Mar 7, 2021 10:34:49 GMT -6
Agree with this, I would never buy a home without an inspection. Yep, agreed. He now knows he never should have bought the home without a 3rd party inspection. I think he found a "great deal" and was afraid he would lose "the deal" (low price). Sadly, He likely got what he paid for. Gotta wonder if the previous homeowner knew of the issue? I'm not sure if he has a leg to stand on. From what I read this morning.....a sudden burst pipe will most likely be covered. But if you have a slow leak in a pipe that causes damage.....you are gonna regret it. I'm unsure what he has here.....but it sounds like a slow leak to me. I was doing a little reading this morning......and I do wonder about periodically having some inspection done on things like plumbing and roof for possible leakage. We are having some 1st year repairs done to our home here after getting a good third party inspection. Our front door needs to be re-hung according to the inspection. I talked for a time with the guy that is doing the work. He is coming back to do our front door. He told me that the best builders dont usually have very many issues that are unresolved. He works at all kinda of builders. He claimed that Shea Homes and Robson are some of the best builders in the Valley. I was happy to hear that. I'm not familiar with Shea......but have seen some signs for their homes. I think we use the same inspector and I asked about Pulte quality and he did not say much but commented that Robson was probably the best. He did comment that our home had few issues and commented he had just come from a house half our size with many problems. I credit our build to our PM Kohl who has a good reputation and the relationship we built with her. Kohl sent us weekly pictures and we talked to her frequently, you could tell she cared about her work. She has now sense left and went to Toll Brothers. She is also a Minnesota gal.
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jflonll
Full Member
Posts: 185
Likes: 158
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Post by jflonll on Mar 8, 2021 8:35:27 GMT -6
Burst pipes are normally covered but not mold.
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Post by MoBuckChaser on Mar 8, 2021 8:47:56 GMT -6
I can tell you right now all the homes out here have some degree of shitty workmanship In them, hidden or not hidden. Inspection people vary just like builders. I have been in the game a long time. Not much has gotten past me on this house. The problem is do you want the same jackals from the same builder to attempt to fix his first fuckup that could turn into a bigger fuck up. I showed freeborn this example last night when I wanted some stucco cleaned off my window sash and the stucco idiot tore the stucco off all around the windows instead. So now that got repaired and now my house has to get repainted for no reason other then a lack of communication with our PM to the head stucco guy to the Mexicant idiot that had no idea what he was doing. Plus I fully believe these workers purposely fuck things up because their hate of us so called rich white people that have worked our asses off so we can buy these junk houses.
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Post by Foggy on Mar 13, 2021 20:42:44 GMT -6
Yep, agreed. He now knows he never should have bought the home without a 3rd party inspection. I think he found a "great deal" and was afraid he would lose "the deal" (low price). Sadly, He likely got what he paid for. Gotta wonder if the previous homeowner knew of the issue? I'm not sure if he has a leg to stand on. From what I read this morning.....a sudden burst pipe will most likely be covered. But if you have a slow leak in a pipe that causes damage.....you are gonna regret it. I'm unsure what he has here.....but it sounds like a slow leak to me. I was doing a little reading this morning......and I do wonder about periodically having some inspection done on things like plumbing and roof for possible leakage. We are having some 1st year repairs done to our home here after getting a good third party inspection. Our front door needs to be re-hung according to the inspection. I talked for a time with the guy that is doing the work. He is coming back to do our front door. He told me that the best builders dont usually have very many issues that are unresolved. He works at all kinda of builders. He claimed that Shea Homes and Robson are some of the best builders in the Valley. I was happy to hear that. I'm not familiar with Shea......but have seen some signs for their homes. I think we use the same inspector and I asked about Pulte quality and he did not say much but commented that Robson was probably the best. He did comment that our home had few issues and commented he had just come from a house half our size with many problems. I credit our build to our PM Kohl who has a good reputation and the relationship we built with her. Kohl sent us weekly pictures and we talked to her frequently, you could tell she cared about her work. She has now sense left and went to Toll Brothers. She is also a Minnesota gal. Talked to my friend from MN tonight about his claim. Good news for him. Adjuster was out and agreed to pay the claim.....less $1000 deductible and it does not pay for some tearing out and plumbing rebuild. Does pay for cabinets, some granite that broke during tear out (accident) and the drywall and painting and such. My friend says his claim is gonna be over 40k. They are still working on the claim amounts and details.....but the Insurance adjuster says "it's covered". His insurer is the same as mine: Auto Owners.....whom I have been very satisfied with on a few occasions.
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Post by Freeborn on Mar 13, 2021 21:48:27 GMT -6
I think we use the same inspector and I asked about Pulte quality and he did not say much but commented that Robson was probably the best. He did comment that our home had few issues and commented he had just come from a house half our size with many problems. I credit our build to our PM Kohl who has a good reputation and the relationship we built with her. Kohl sent us weekly pictures and we talked to her frequently, you could tell she cared about her work. She has now sense left and went to Toll Brothers. She is also a Minnesota gal. Talked to my friend from MN tonight about his claim. Good news for him. Adjuster was out and agreed to pay the claim.....less $1000 deductible and it does not pay for some tearing out and plumbing rebuild. Does pay for cabinets, some granite that broke during tear out (accident) and the drywall and painting and such. My friend says his claim is gonna be over 40k. They are still working on the claim amounts and details.....but the Insurance adjuster says "it's covered". His insurer is the same as mine: Auto Owners.....whom I have been very satisfied with on a few occasions. He is very fortunate. I’m surprised they would cover a pre-condition like you described. I’m with Liberty and haven’t had any home owner claims so I hope we would have the same coverage.
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Post by Foggy on Mar 13, 2021 22:46:23 GMT -6
They determined it was not a slow leak.....but rather a burst connection. He has "replacement cost" insurance. Seems he will be OK.
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