This is Turtle.I have some wet carpet in a house put there by a tree limb that went through theroof and it was raining. It flooded 3 rooms and ahall way and we are talking wet and not just damp. I called State Farm Insurancecompany and their adjuster came out and looked atit and said that they did not replace carpet anymore when a house floods. Hetold me that the only thing they would do is send intheir carpet man / not my carpet man and have him remove the carpet and replacethe pad and dry the carpet and lay the old carpetback down. I told him the carpet has been wet for close to a week waiting on youto look at it and the carpet will not fit backright and have wrinkles in it after you relay it. He allowed $350.00 for theirman to clean and remove the pad and said that all wewill do. I just had all the carpet replaced and run his ass out of my Renthouse. To recarpet the area was $1,750.00 , fix the roof, replace one rafter replace the insulation in attic of the area, replaceceilitex ceiling , and shingles was $1,400.00. That cometo $3,150.00 and i have $250.00 deductiable with exact replacement cost of itemsin 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 roofnot being fully paid and they said their roofrepairman could have done it much cheaper than $1,400.00. I pay more than $12k ayear in premiums and been with them for 20 or moreyears 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 towrinkle up? I have seen some relayed on a friendhouse like this and it did not fit back right and did wrinkled up in about 3months. This is where my thoughts are coming from.2) These State Farm hands that dry and clean the carpet really get all themole, 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...

the roof and it was raining. It flooded 3 rooms and aInsurance company and their adjuster came out and looked attold me that the only thing they would do is send inreplace the pad and dry the carpet and lay the old carpetyou to look at it and the carpet will not fit backman to clean and remove the pad and said that all wehouse. To recarpet the area was $1,750.00 , fix the roofceilitex ceiling , and shingles was $1,400.00. That comeitems in the home. The cost after deductiable would beroof not being fully paid and they said their roofa year in premiums and been with them for 20 or morewrinkle up? I have seen some relayed on a friendmonths. This is where my thoughts are coming from.mole, bugs, whatever out of this carpet ?Yey look in the yellow pages and call a pro... thats what you got to doif you want it done right... and the state farm guys are just messingwith you.. if you have replacement coverage then they should give youfull coverage to replace the stuff.. if its not the same when...

What to do with Wet Carpet in a house?

Feb 29, 2004 23 Replies

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TURTLE 22 years ago

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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Frogleg 22 years ago

I'm not sure I understand your point. Do you mean they're opting more to 'repair' instead of 'replace'? I.e., your carpet? While your case seems unfortunate (and unfair, in that a soaked carpet that's been sitting around for a week or so is unlikely to be adequately 'repaired'), there were people around here complaining that their ins. wouldn't pay for a new fence when a couple of boards had been knocked down. Rates are high enough as it is.

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TURTLE 22 years ago

This is Turtle.

A fence can be repaired but wet moled carpet can't be repaired. If the fence has a crack in every board. Replace the whole thing.

TURTLE

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TURTLE 22 years ago

This is Turtle.

I have thought about it but i just would not like to take a $120K hit on a house burning down. I could take a hit like that but I just adhear to Murphy's law and keep insurance.

TURTLE

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