What to do with Wet Carpet in a house?

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This is Turtle.
I have some wet carpet in a house put there by a tree limb that went through the roof and it was raining. It flooded 3 rooms and a hall way and we are talking wet and not just damp. I called State Farm Insurance company and their adjuster came out and looked at it and said that they did not replace carpet anymore when a house floods. He told me that the only thing they would do is send in their carpet man / not my carpet man and have him remove the carpet and replace the pad and dry the carpet and lay the old carpet back down. I told him the carpet has been wet for close to a week waiting on you to look at it and the carpet will not fit back right and have wrinkles in it after you relay it. He allowed $350.00 for their man to clean and remove the pad and said that all we will do. I just had all the carpet replaced and run his ass out of my Rent house. To recarpet the area was $1,750.00 , fix the roof , replace one rafter replace the insulation in attic of the area, replace ceilitex ceiling , and shingles was $1,400.00. That come to $3,150.00 and i have $250.00 deductiable with exact replacement cost of items in the home. The cost after deductiable would be $2,900.00 and they was so nice to just send me $1,200.00. I call about the roof not being fully paid and they said their roof repairman could have done it much cheaper than $1,400.00. I pay more than $12k a year in premiums and been with them for 20 or more years and they will be getting the ax this year but I have some questions here.
1) If you relay Carpet after it has been wet for a week. Will it cause it to wrinkle up? I have seen some relayed on a friend house like this and it did not fit back right and did wrinkled up in about 3 months. This is where my thoughts are coming from.
2) These State Farm hands that dry and clean the carpet really get all the mole, bugs, whatever out of this carpet ?
3) Is this a good thing to do by relaying the 5 year old carpet on new pad?
4) What is your thoughts on relaying wet carpet ?
TURTLE
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TURTLE wrote:

if you want it done right... and the state farm guys are just messing with you.. if you have replacement coverage then they should give you full coverage to replace the stuff.. if its not the same when repaired then you complain and get them to replace it....
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This is Turtle.
I could file on them but the law fees and court cost would have to be paid by me for they made partical payment and not all the way no pay. If it was No pay they would have to pay court cost and lawyer fees. I had a friend of mine that is a lawyer and sent them a notice of none payment and they sent back Sue me we don't care. I don't have time to go to court and research this out and i will just cut their ass off and go with Travelers insurance like i had years ago. They alway did good but State Farm has turned into a fly by nite outfit i guess. State farm premiums was $12k and Travelers will insure me for $9.5K and will be switching over as the policys come due. The policy's are all the same. Now my business insurance will be going to another provider but the total cost will be $9.5K still.
I had heard that State Farm was getting out of the insurance business and going to Financial business like investing in the stock market and retirement accounts. This is a good way to get out of the insurance business by not paying off on claims. I would like to thank State farm for waking me up on the cost of the insurance with them verses other provides. I will save $2.5K in the future every year. It would have been a lot simpler if they just sent me a letter and told me they did not want my business any more.
TURTLE
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We have a small sheep farm in Maryland and were insured by State Farm for many years. A few years back, our agent informed us that we'd have to look for another company because State Farm had stopped insuring farms in Maryland. I thought that was rather ironic, given their name.
Paul
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The carpet is probably trash, its full of mold and will always smell a bit. Isnt there an insurance board you can complain to. Going to court is cheap 35 bucks , takes a few minutes to file and sue for carpet value.
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I don't have a problem with them re-laying old carpet on new padding, but I do have a problem with what you say your insurance bill is 9.5k a year?
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I was wondering about that myself. I started checking my policy to see if I am really covered for anything!

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This is Turtle.
If you got some company that can write for less. Let me know. State Farm wanted $12K and Travelers wanted $9.5K. 5 auto's with 2 being company auto's, Home, Rent houses, Camp insurance, Flood insurance, Contractors Liability, Workman's Comp. insurance, Company Storage building, and something else for I forgot. This does not cover Medical or life insurance. Hey you got to pay to play.
TURTLE
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HA HA Budys Here wrote:

Yeah, maybe because it is commercial. My house only costs about $230 a year.
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Funny... mine range about 750.- a year. Homeowners only, full replacement value, which I understand does not cover the difference in cost between rebuilding to today's code, but to the code applicable when my home(s) were built.
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This is Turtle.
NO Awwwwwww, the $9.5k is my whole insurance bill for everything that i insure with them. The one rent house with what is call renter's coverage is $250.00 a year for $55,000.00 worth of coverage on the house but no coverage for content or furniture. The person renting it has to buy his own insurance for content. I have 19 policy's with them for $12 K and Travelers Ins. Co. wants $9.5K for the same coverage.
TURTLE
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TURTLE wrote: ...
A simple letter to your State's insurance regulation body may correct the situation.
--
Joseph E. Meehan

26 + 6 = 1 It's Irish Math
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This is Turtle.
they really don't get into looking at anything these days for Our Insurance Commissioner is being sent to prison for taking kick backs from insurance companys. They all are worry about their job now and not about any problem the public has. Louisiana is the best at any kick back a man can figure up.
TURTLE
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I've done professionbal carpet cleaning for approx 13 years, and in my opinion unless the moisture was removed within 24 hours the possiblity of saving the carpet is very remote. Even using strong mildew removers. I would suggest replacement. Good Luck.
Mike

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Most states regulate insurance. A simple call to the regulatory agency may fix your problem right away without litigation.
Pretty cute what they are doing. They removed mold insurance from policies last year so this year they figure they will reinstall moldy carpet as part of restorations. That's what everyone gets for being anti-government regulation. Companies will try anything to rip off consumers.
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Tell State Farm that if the carpet is good they can lay it in their office and buy you new stuff. What options do you have on your policy? What you get from them is determined by your policy options. You need new carpet. If you don't have the right options, you only get partial reimbursement because of depreciation of old carpet. But if you have right options you get new carpet at their expense.

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this is Turtle.
I have their No depreciation policy and exact replacement policy. If I had to sue them. i would not get much after I paid for the lawyer and court cost maybe. Particial payments you have to pay for your own lawyer. No Payments they will have to pay for your lawyer if they loose. I don't have time to play games with Turkeys and I will just fire their ass and go to another company. I have some family members and friends that are going to Travers ins. co. with me and it's pulling about $30 K a year of business over a $1,700.00 worth of carpet. They must not care for i don't either for i just hit you where it hurts in the pocket book. they just announced some time back that they will be laying off 400 something employees this year is Louisiana. Someone else must be hitting them in the pocket book too.
TURTLE
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Lousiana has hurricanes and floods big time.... State Farm doesn't want to play where they might have to pay. Pretty soon they will run out of states.
I would still file suit just to annoy them. Bet you get a new offer. They will have to pay a grand for an attorney. You don't need one to get started. The court clerk will help you fill out a standard breach of contract form in most parts of the country. It is a good experience for you and like I said, you will probably get a new offer when they realize they have to hire an attorney. Even though they have some on retainer they pay per hour.
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wrote:

Check back with your insurance company. Not the local who gave you a lot of guff, but the corporate site. Check your policy to determine exactly what's covered. Insurance has some very weird provisions and conditions -- water damage from overhead is different than damage from rising water is different than backed-up plumbing, etc. I have State Farm ins. and they were exemplary in a recent hurricane that produced widespread damage. My problems were different (fallen trees and small roof damage), but an inspector was out and I had an adequate check in hand before the power was back on.
A thoroughly wet carpet that's been waiting for inspection for a week or more is essentially toast. (I *hope* there are no moles in there.) Inspect your policy and get in touch with the head office.
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This is turtle.
All of State Farms policys now say repair or replace now after paying off on the Hurricans and Damage of storms in the latest big cost pay outs. State Farm got hurt with the Fla. and Louisiana Hurricans. They are now making up for it with this repair or replace policy. When they get their money back for having to replace your house after the hurrican when the News and newspapers was watching them.
TURTLE
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