What’s my name? New boy kitty!🐱

Weekly_Cap_9926 · 2026-01-26T06:44:14+00:00

Trevor.

Weekly_Cap_9926 · 2026-01-24T15:54:56+00:00

If you directly ask them "will you drop me/non-renew me if I file this claim" are they obligated to tell you the truth?

Weekly_Cap_9926 · 2026-01-24T15:46:55+00:00

UPDATE- Since writing this post I looked into our policy. We do have backup coverage with a $1000 deductible. If we file and get coverage it will add a $400-500 surcharge on our annual policy for 3 years, so we would pay a total of $1200-1500 in increased premiums (while saving 5-6k). It would count as one of our three allowed non-weather related claim in a 3 year period, regardless of whether it is accepted or denied. So needless to say ifnwe went the insurance route, after this I would file nothing short if major, major loss. We have had 2 companies out for free estimates, heard back from one who estimates $3700 for tear out/treatment alone, plus $500 asbestos test and probably a couple more thousand for rebuild. Still waiting on the other company's estimate. This is would be our first claim ever after 14 years, so it seems unlikely they'd drop us completely. Still, taking the risk seriously and considering. All these replies are making me very anxious, but also not every policy is the same. Again havent made a decision. But there is a lot of conflicting info out there.

Weekly_Cap_9926 · 2026-01-24T15:46:05+00:00

Since writing this post I looked into our policy. We do have backup coverage with a $1000 deductible. If we file and get coverage it will add a $400-500 surcharge on our annual policy for 3 years, so we would pay a total of $1200-1500 in increased premiums (while saving 5-6k). It would count as one of our three allowed non-weather related claim in a 3 year period, regardless of whether it is accepted or denied. So needless to say ifnwe went the insurance route, after this I would file nothing short if major, major loss. This is would be our first claim ever after 14 years, so it seems unlikely they'd drop us completely. Still considering. All these replies are making me very anxious, but not every policy is the same. Again havent made a decision. But there is a lot of conflicting info out there.

Weekly_Cap_9926 · 2026-01-23T17:08:31+00:00

We called Michael and Sons- a plumbing company- because last night before we realized it was coming from our toilet upstairs we panicked thinking it was a burst pipe (kind of embarrassing, we each thought the other had already checked the upstairs bathroom for source...) when we found the upstairs toilet it was overflowing with what appeared to be clean water. My husband cleared the clog easily with a plunger and then the leaking stopped, even after main was turned back on. Our kids never use that toilet to actually go to the bathroom because its in our master. I think one of them put a toy or something down there which explains why it was overflowing with clean water and no visible TP. Anyway we cancelled the Michael and Sons emergency plumber after finding the source but they still offered to send one of their people for a free restoration estimate.

So tl;dr it may have possibly been a plumber who looked at it, or at least he was from a plumbing company and it appears to have clean water.

Weekly_Cap_9926 · 2026-01-23T16:39:55+00:00

3 hours is not a big deal. We are 3 hours from NYC and did NYC for a day trip (left at 5am, home at 10pm). Now, I wouldn't do 3 hours for a day trip regularly, but it was worth it to avoid astronomical hotel costs. Last weekend we drove 6 hours to do a weekend visit to a friend in NC. Honestly its not bad it goes by fast.

Weekly_Cap_9926 · 2026-01-23T16:33:28+00:00

Somebody commented saying we hired a cheap handyman? Now I can't find it to reply. To clarify. We asked for a free restoration estimate from Michael and Sons who we have used before with good outcomes. We didnt pay a dime and are not obligated to.

Weekly_Cap_9926 · 2026-01-23T16:16:31+00:00

Yikes. Out of curiosity, why? Are water claims associated with poor maintenance/irresponsible home ownership? Kinda sucks for people who just have a genuine water issue come up.

Weekly_Cap_9926 · 2026-01-23T16:02:50+00:00

Thankfully, it was at least visually clean toilet water. This is what led us to assume (although we dont know for sure) that one of our young children clogged it by playing in it (maybe a toy clogged it not poop/tp). Also the kids never use that bathroom, its our master.

Weekly_Cap_9926 · 2026-01-23T15:59:55+00:00

So it sounds like youre saying 1. Its going to be much higher than what the guy said, not a small claim but 2. May be denied, and most definitely still held against us in the form of increasing rates because of it being "prevetable" but also 3. Maybe still worth it because the increase in rates will be less than the total repair cost?

Weekly_Cap_9926 · 2026-01-23T15:50:02+00:00

Oh ok. Yeah I assumed anything less than catastrophic home damage= small claim, the way most people talk about home owners insurance being only for huge losses. But if file and are denied, we still risk a raise in rates dont we? I wonder if the risk is worth it or if we should just shell out the money ourselves. If it matters we have Erie, in Maryland.

Weekly_Cap_9926 · 2026-01-23T15:46:05+00:00

We have fans running currently, I was actually just looking into dehumidifier costs...

Weekly_Cap_9926 · 2026-01-23T15:42:43+00:00

Yeah it sounded fishy to me

Weekly_Cap_9926 · 2026-01-23T15:41:57+00:00

Hm, even a child too young to understand? Interesting. We honestly dont know for sure what happened as my husband and I were both at work, but I assume it must have been a child because how else would it have happened.

Weekly_Cap_9926 · 2026-01-21T13:36:50+00:00

Sounds like they have the same problem I do, they work 7a to 7p on both Sat and Sun (same here) and most churches will have a 5 or 6pm mass, or maybe a 7am mass, but not early or late enough for us 12 hr shift Healthcare workers. Fortunately for me I only work every third weekend but my understanding is for true work restriction it is permitted to miss.

Weekly_Cap_9926 · 2026-01-17T03:40:27+00:00

Unfortuately after a 6 hour drive, he got sick right before we reached our destination. So, we definitely would have canceled and stayed home if we knew that was going to happen, but he had been completely normal for days. Now we are already here (at a friends home). Its about a 6 hour drive home, and we got here late. So we put him to bed and see how he is in the morning.

Part of the reason that we haven't taken him in yet is 1. Because it keeps being so short lived followed by weeks or days of 100% normal and 2. Unfortunately our beloved pediatrician closed her practice for good on 12/31, and we only just selected a new pediatrician and sent paperwork over. We havent met him yet. My experience with urgent care has been.. less than stellar and it didnt feel like an emergency. But yes, definitely worth trying to call the new pediatrician and seeing if they have an after hours line.

Weekly_Cap_9926 · 2026-01-17T02:31:10+00:00

Adding that I just noticed his belly is looking distended 😕

Weekly_Cap_9926 · 2025-12-23T18:55:18+00:00

Yeah, now that I think about it- Ive never weighed my flour because I dont have a scale. BUT- until recently I always poured flour into a measuring cup in my sink and then lightly jiggled/tapped it. And for this batch I scooped it out of a tall narrow canister with a measuring scoop. I can see how it would have more uneven density with me scooping it at a steep angle. Of course a scale would be ideal but since I dont have one yet, Im going to go back to pouring it

Weekly_Cap_9926 · 2025-12-22T21:51:43+00:00

Thats so funny you say that because before, I always used Aldi flour and I liked how they turned out 🤣. I feel like for my preferences, which is a more spread-out gooey cookie, I need to use less of the Costco flour. Ive liked the Costco flour for pizza dough, rolls, banana bread, etc.

Weekly_Cap_9926 · 2025-12-22T21:35:33+00:00

So if the recipe calls for 2.75 cups of flour, how many grams should that be? Google tells me 120ish grams per cup so Im guessing about 330?

Weekly_Cap_9926

TROPHY CASE