"Not Avaiable" wrote in message
...

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As I noted in another post--your homeowner's insurance will cover any
damage
and restoration costs associated with this type of appliance failure.
In
the course of any restoration if new code requirements lead to increased
costs your insurance will (or should, if you have proper coverage) pay
for
that too. Don't take any short cuts---most restoration companies will
pull
everything thing out that has been water damaged. I had the same type
of
toilet failure and even had the tile floors (two of them) ripped up and
replaced. I was away for the two or three days the water must have been
running and had extensive water damage. Insurance company covered all
but
$200 deductible including about $2000 to 3000 in required code upgrades
(new
vent pipe(s). drain line, exhaust fan, GFI's, electrical service box
etc.).
It wasn't easy fighting the insurance company but when finally
challenged to
get a contractor who would do the job for what they offered, they gave
in.
MLD



That was part of the reason why our insurance premiums increase each
year. I never used my home insurance, and I guess I am just paying for
some of those people to upgrade their homes or pay for the regular
maintenance such as roof replacement.

What a dumb remark. If you have a legitimate loss and get several
estimates, why wouldn't you make a claim, that's what you pay premiums for.
My damage was close to $25,000; two bathrooms, one under the other were
wiped out--Are you suggesting that I should have eaten the repair costs and
not put in a claim? Are you also suggesting that a contractor violate code
requirements, especially when the work has to be inspected by the city
plumbing and electrical inspectors? Are you afraid of your insurance
company?
MLD