Thanks for all the responses. We are thankful that our insurance agent
some time ago insisted on this rider for our insurance. Thus far the
insurance has taken pretty good care of us from temp housing to
immediate clothing replacements and food. We seem to be well covered
for structural repair and personal belonging loss. They have said that
they won't cover time I was out from work or for my preliminary medical
assessment and supplements presribed to boost immune system efficiency.
I guess that is something I can ask a lawyer to go after the City on.
Again, I appreciate all the advice, we will be pursuing at the very
least an indepedent adjuster and possibly a lawyer.

Oh, and we will be putting in a backflow device!


mcd wrote:
We recently experienced 1st hand what a blockage in the city sewer will
do a house. We had a blockage occur in the city line just below our
connection. It came spouting out two showers and two toilets and our
corner bathtub filled up. After freely flowing for about 40 minutes
(we tried bucketing to stem the rising tide...) we had between 2 and 4
inches covering 80% of the house and our storage basement and finished
basement apartment got drenched from above. My questions revolve
around the adjuster and cleaning company. After taking out the
laminate flooring from above and the ceiling from below it was pretty
evident that the subfloor soaked that crap up. Same for most of the
joists (engineered i-beam type). I also have radiant floor system
attached to this section of my house.

My cleaning company is saying they can clean and seal the sub-floor
(3/4 inch plywood) and the joists. But, I'm concerned about the
radiant floor heating system and I'd rather have them replace the
sub-floor and affected joists.

Is it worth hiring an independent adjuster over this? Or am I over
reacting?

Thanks,

Martin
Oregon