[Gunsmokez]

Back drop, Condo flooded my insurance refuse to pay because I was not living there at that time. Was vacated due to reno's.

Now shit has started to get real and dirty. Other tenants have laweryed up and sent me intent letters to claim lost damages.

Got any advice? and referrals to some lawyer.

[meme405]

Here we go...

http://i149.photobucket.com/albums/s52/meme405/jq1o7_zpsrl9pkdfa.jpg (http://s149.photobucket.com/user/meme405/media/jq1o7_zpsrl9pkdfa.jpg.html)

[Gunsmokez]

not asking for legal advice here , hence my title is asking for a referal to a LAWYER. Seriously, why is it that everyone comes in asking for some help there is always some guy with a smart ass comment .

[mk1freak]

Got any advice?

not asking for legal advice here , hence my title is asking for a referal to a LAWYER. Seriously, why is it that everyone comes in asking for some help there is always some guy with a smart ass comment .

:suspicious:

Gotta say though, with ur sn and post title... I was expecting this thread related to what's in recent news.....

[Gunsmokez]

Already emailed a few random lawyers . But again, these are just random lawyers .

If anyone has perhaps at least know or gone through this before, PM me. Any ideas would help right now.

[ancient_510]

if there were only a service for exactly this purpose...

Canadian Bar Association Lawyer Referral Service (http://cbabc.org/For-the-Public/Lawyer-Referral-Service)

[sdubfid]

http://www.revscene.net/forums/members/harvey-specter-13079/

[tiger_handheld]

I'm surprised RS doesn't have any resident lawyers... or do we?

[jing]

http://exstreamist.com/wp-content/uploads/2015/04/watch-better-call-saul-online.png

[Gunsmokez]

Thanks to some that offered some help.

Got in touch with a Lawyer that specializes in Condos. Got appointment setup for tomorrow.

[murd0c]

I'm surprised RS doesn't have any resident lawyers... or do we?

We do and he pops his head in once and a while but he's smart and doesn't say much since he knows he will get his inbox filled up with stupid ass messages.

[Phil@rise]

good luck even with a lawyer. most insurance policies clearly state how long a home can be left vacant before insurance is nil.

[punkwax]

^this
http://assets.diylol.com/hfs/ceb/284/c66/resized/chuck-norris-meme-generator-bro-you-re-fucked-ba580d.jpg

[Lomac]

good luck even with a lawyer. most insurance policies clearly state how long a home can be left vacant before insurance is nil.

Not just that, but if a house is vacated for a certain amount of time and utilities are left hooked up, most insurance policies require someone to check on the property at least once a day.

[Phil@rise]

yup. for reasons such as OPs issues.

[Majestic12]

We do and he pops his head in once and a while but he's smart and doesn't say much since he knows he will get his inbox filled up with stupid ass messages.

I've only gotten maybe five messages in total asking for free legal advice. Kind of surprised at the low freeloader turnout rate.

[vitaminG]

Not just that, but if a house is vacated for a certain amount of time and utilities are left hooked up, most insurance policies require someone to check on the property at least once a day.

Most people don't read their insurance rider. Then they complain when something isn't covered.

[murd0c]

I've only gotten maybe five messages in total asking for free legal advice. Kind of surprised at the low freeloader turnout rate.

I guess it's you who I've seen post a couple things in the past and I'm highly surprised no one has sent you stupid ass messages... Hopefully this doesn't start now tho lol

[Presto]

If the place was under renovation, wouldn't there be someone there working on shit?

[Ball.J.Inder]

PM if you want my account info to transfer your retainer, it will be $20,000. I have a Law Degree from Devry Institute.

J.k. but on the real, I am assuming you live in a building shared by other tenants and under a land-lord? How would your vacated suite flood? Negligence by the renovators, or some shady stuff from your land-lord to evict you or somehow make money out of it?

P.S. These are more rhetorical questions to other users here, don't answer them as I'd rather you get a lawyer first and not say something here that would go against you. And to make this post useful I will see if I can contact old friends who may know some good civil lawyers.

[Gunsmokez]

So, good news insurance does have some kinda protection. Was covered for some and some were not. But, in any case. This was not part of me being negligent so, I'll be taking someone else to court to get some of my money back.

Yes, insurance does not cover anything in regards to floods if it is vacant. Meaning if tenants leave for 1 day and you get a flood you are SOL.

Which pisses me off because I bought insurance telling them it was going to be renovated and vacated as well . If was never my part to be shady in any way.

Lesson learned I guess.

Btw, The lawyer I have is fucking AWESOME (expensive) . Walked in told him my story, showed him those letters. He laughed got his assistant to write up a letter and by the time I left the office, he sent the other parties a letter as well. Basically telling them to fuck off lol . But, in a very professional way.

[Gunsmokez]

Hey, wanted to give update on this. I was able to force the insurance company that initially denied my claim stating it was vacant And Sue the other companies involved for negligence
Long story short, got them to pay up. After years of meetings and homework, and dealing with other parties lawyers making you feel stupid and like a idiot lol.

Took a while, as you can see from the start of the original date. So, if anyone needs help in this issue you can pm me and I'll help you as much as I can.

This kind of stuff can be devastating and put you in serious emotional and financial pain.

Hope this does not happen to anyone else.

[bcrdukes]

Thank you so much for the kind update. I have been biting my nails and holding onto my seat for the past three years to get closure on this.

[68style]

Glad to hear it all worked out in the end and it's nice of you to offer assistance to anyone that ends up in the same situation and finds this thread.

[yray]

3 years

thats fucked up

now tell us what happened

[Ludepower]

Can you give us a detail what actually happened. Most people here dont have no clue what's actually covered. It's not as black and white as ICBC car insurance.

[Gunsmokez]

3 years

thats fucked up

now tell us what happened

Yah, it takes a while. Just getting the evidence, and preparing paper work and emails and phone calls. Tracking down, companies on my own and such. Was not easy. Lawyers are stupid expensive @500 per hour. So, I really only wanted to use them, When I was backed into a wall. So, most of the leg work was done by myself.

So, yah. I know lot of people do not care. But, I was in a lot of stress when this started and did not know what to do. Since, I have never even been to court. These companies had lawyers galore, talking to me and trying to screw me. In person and emails.

So, I'm just offering any help I can if someone else has this issue. That is all.

[Mr.Money]

it has to be an easy case....
How can they prove you were vacant?..do they have insurance agents knocking on you're door every day to make sure your home?.

[Gnomes]

These companies had lawyers galore, talking to me and trying to screw me. In person and emails.

So, I'm just offering any help I can if someone else has this issue. That is all.

I was assuming those companies wont be able to contact you directly in case they hold your word against you.... but to have your $500/hr lawyer respond to every communication may cost a fortune

[dachinesedude]

you still haven't told us how your condo got flooded, i am very curious on the cause

[Eff-1]

I'm eager to hear the details too! It's such a rarity that anyone comes back here to report on how things concluded. Just thinking: It might be possible that part of his settlement terms would be he's never to tell anyone what happened though.

[Rallydrv]

good luck even with a lawyer. most insurance policies clearly state how long a home can be left vacant before insurance is nil.

my insurance told me, if you do visit the house everyday and spend certain time, is not considered vacant. but thats just TD.

was having reno work done aswell. so they bought it up themselves.

[suzuka84]

it's a fight that could've been avoided if the renovation contractor or homeowner had purchased a course of construction policy.

[bcrdukes]

OP could have signed a non-disclosure agreement, hence no details on this.

[Mr.HappySilp]

you still haven't told us how your condo got flooded, i am very curious on the cause

It might not even be the OP's fault. Living in my apartment within a year flood happen twice (not in my suite luckily) Both them some stupid person/people set off the water sprinkle and basically flooded the units under/next to them. Is stupid.

[Manic!]

Had a similar situation. Condo building shut off the water to do repairs. When they turned it back on the pressure caused the pipe in the wall behind the washer to burst causing about 50K in damage in mine and 2 other units. Originally I was on the hook for the damages. Luckily the person who was managing my condo rental was also on the condo board and he was able to convince the rest of the board to get the building endurance to cover it.

[yray]

Had a similar situation. Condo building shut off the water to do repairs. When they turned it back on the pressure caused the pipe in the wall behind the washer to burst causing about 50K in damage in mine and 2 other units. Originally I was on the hook for the damages. Luckily the person who was managing my condo rental was also on the condo board and he was able to convince the rest of the board to get the building endurance to cover it.

pipe behind the wall

no shit they need to cover it

what makes me pissed off is we get a bunch of unqualified people to make decisions on a building

[meme405]

what makes me pissed off is we get a bunch of unqualified people to make decisions on a building

Yep. My strata council, made of grandparents, and other losers with no jobs who sit on council are doing all the decision making for the 3 million dollars worth of reno's my building has done in the last 3 years.

They have made so many stupid mistakes and cost the residents so much money it is infuriating. I've offered my services and feedback so many time as someone who is in construction, but they are bunch of fucking retards and stubborn, so they continue to fuck the rest of the building blind.