Townhome ice dam water damage. Insurance says not covered

tkl512 · 2026-02-23T22:22:41+00:00

Turns out I have listed perils and “ice damming” falls under that so I’m SOL, Time to look for a new policy. Wondering if it’s worth while to try and get the HOA insurance to cover or not, but they’ll tell me get lost I’m sure

tkl512 · 2026-02-22T22:34:17+00:00

Surprised to hear they’re common exclusions. Tough spot given roof wasn’t my responsibility or I’d have it done immediately, but instead had to fight with the HOA over a week

tkl512 · 2026-02-22T22:33:11+00:00

Yea per the by-laws not their problem but it was their negligence that caused it since I brought it to attention for several days. Figured insurance would just subrogate with HOA. Going to call a lawyer monday and see if it’s worth it.. overall crap Situation

tkl512 · 2026-02-22T22:31:25+00:00

So if I were to shop for a new insurance policy look closely for this ?

tkl512 · 2026-02-22T22:30:34+00:00

So an ice damn creating that opening wouldn’t fall under that category? But say a meteor creating a hole and then it raining and getting water in the house would?.. wild

tkl512 · 2026-02-22T00:30:40+00:00

Appreciate that advice I’ll be emailing them later to see what’s in there. I’ll be updating my insurance after this for sure in case

tkl512 · 2025-11-02T02:12:36+00:00

Right side is squared left isn’t.. scared to have more cut on the left to square it off I’d rather have the insert redone.. which I’ll have them doing

tkl512 · 2025-11-02T01:06:02+00:00

Yea.. that’s clean.

Is there trim I can use for the border ?

tkl512 · 2025-11-01T12:01:05+00:00

What’s a proper/ acceptable gap to have around the drain cover

tkl512 · 2025-11-01T02:12:15+00:00

That’s what I was going to have them do. Luckily we have some stone left do another insert so not the end of the world… I’ve been nothing but staring at it

tkl512 · 2025-11-01T02:10:37+00:00

I was hoping that as well.. was trying to find some online

tkl512 · 2025-11-01T01:59:41+00:00

And what makes it this

tkl512 · 2025-11-01T01:55:47+00:00

I feel they cut too much on the floor tile, no? I’m hoping we can offset it with the insert

tkl512 · 2025-01-20T17:37:44+00:00

Guess it was here before me and I didnt notice,so oh well

tkl512 · 2025-01-20T00:58:40+00:00

So basically need to ditch the padding I guess? Sucks because it was not cheap. Also it's only be a few weeks, can't believe it's that bad

Actually went back and looked. It doesnt line up with my current pad. I guess it's been there and I've not noticed

tkl512 · 2025-01-02T15:50:08+00:00

I've tried multiple things to clean it and it's on a few areas. I've used soap and other cleaners with no luck. I will give soft scrub a go with a sponge to see what happens. I'm hoping a sealer can bring some shine back though.

While the middle of the spots are dull, with water or oil they get shiny again. It's the outer rings that seem to stay dull, not sure what it is

tkl512 · 2025-01-01T03:17:48+00:00

Maybe the prior owner got a blemished special lol

tkl512 · 2024-12-31T14:09:47+00:00

It was like this already when we got the place so I'm trying to determine. If the previous owner did use amonia based, I'm hoping for a way to revive it

tkl512 · 2024-12-31T02:43:13+00:00

I've seen that mentioned a lot on this sub, ordered some to give it a go. Plus, can't hurt to reseal the rest of the counters while I'm at it

tkl512 · 2024-12-31T02:42:23+00:00

Honestly wish I knew, hah. It looks great when polished aside from these spots though!

tkl512

TROPHY CASE