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 encased cement pipe/please help so I don't have to hire a lawyer
Author: mokishana (UT)

Please help me get my insurance company to pay what they owe me. I have a broken cast iron sewage pipe which broke in a cement wall on the north side of my home. To fix the pipe, they will have to remove the Sheetrock and jackhammer to get to the pipe inside the home. On the outside of the home where the pipe meets the sewage line, the plumber will have to get a back hoe and dig. My insurance policy will pay for access to the pipe and pay to fix anything they moved to get to the pipe after the pipe has been fixed. They will not pay to fix the pipe, but just to get access to it. The two plumbers I have talked to say the major expense is getting access to the pipe and fixing the pipe is a minor expense. So the quotes I have received from two plumbers is the job cost around $8500 with 700 to 1000 to actually fix the pipe; the rest of the quote is for access. Even though in my contract it clearly states the insurance company has to pay to get access, the insurance company is only willing to pay 500 hundred dollars. In the situation I described, are what the two plumbers telling me the truth? Is the major cost getting access to the pipe? I don't know anything about plumbing, but just logically it would seem getting to the pipe is going to cost way more money. Please let me know what is more expensive? I don't want to hire a contract lawyer and plumbing export, but I will if the insurance company doesn't pay what it owes me.

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 Re: encased cement pipe/please help so I don't have to hire a lawyer
Author: Wheelchair (IL)

We don't do legaleeze, in this forum, It so states on the front page of this websites. Besides we haven't heard the story from the plumbers side or the insurance company. If we help you, we would have to also help the other sides and we haven't seen any pictures and you are asking us to blindly defend you. Plumbing codes may vary from State to State and county to county, in North America
Have you considered going to your local plumbing counsel or the plumbing inspector... for guidance. Detail pictures might help us to help you.

Can you help us ?
Best Wishes

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 Re: encased cement pipe/please help so I don't have to hire a lawyer
Author: kingshakabobo (IL)

Seems to me paying a plumber to do demo, excavation and drywall never seems to make sense.

*IF* you were sure you knew where and how much to dig, you might be able to sub contract the demo/repair and digging/backfilling.

That's a big if.

No matter what, $500 bucks is ridiculous. Tell the insurance adjuster to send the $500 dollar crew to start work post-haste.

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 Re: encased cement pipe/please help so I don't have to hire a lawyer
Author: mokishana (UT)

Not asking for legal advice but plumbing advice. When accessing a cement encased pipe in exterior wall and having to dig down five feet outside the home to connect the pipe to the sewer line, is that cost more than $$$ dollars? If I were asking legal advice, I would be asking if I should contact a lawyer? I am asking about a plumbing job. I am not mad at the plumbers, either. Both plumbers basically gave me almost the same quote and told me the same thing. I am also not asking about my insurance contract. I understand the wording. It is all about the price of work. I know permits and per hour labor price can very, but just in percentage terms, what would be the percent of accessing the pipe versus fixing the pipe once it has been accessed?



Edited 2 times.

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 Re: encased cement pipe/please help so I don't have to hire a lawyer
Author: PlumberLoren (CA)

Without photos we are guessing but have you had them send down a camera so you know that the work needed is in the incased pipe? We need a lot more info, but we can start with the question asked about the camera.

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 Re: encased cement pipe/please help so I don't have to hire a lawyer
Author: packy (MA)

you need to get a general contractor to run the job...
the general will get specifivc quotes from sub-contractors.
each sub will perform their own specialized part of the job.
everything from movers to get your furniture out of the way,put into storage if necessary and moved back after.
demo crew to open the walls and ceiling
masonary company to cut open and repair walls
electrician if any wiring is involved
insulating company if require
landscaping company to dig and then fill
plumbing company to replace pipes
drywall company to repair wall and ceiling
painting company to repaint
then the general adds all the quotes together, adds 15 % for running the job and submits the mountain of paperwork to the insurance company.
an adjuster is sent out to meet with the general and go over the paperwork to come up with a figure.
believe me, when everything is done this way, the cost of the job will be more than the 8000 dollar figure but the insurance company will be much happier as you are talking a language they understand..

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 Re: encased cement pipe/please help so I don't have to hire a lawyer
Author: hj (AZ)

Is this an insurance company or a home warranty policy? Home warranties typically have a cap on the amount they will pay, but I have never heard of an insurance company not paying the full access, it the problem is covered.

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 Re: encased cement pipe/please help so I don't have to hire a lawyer
Author: sum (FL)

These policies are so dependent on the locale you are in. Here in south Florida we have to do separate home owner policy, a flood policy and a windstorm policy, assignment of something like damaged wood floors after a storm is complicated as you have to figure out if its caused by rising water (flood) or wind driven rain (windstorm) and sometimes its both and two policies both pay a portion.

May be his policy has a cap or a max deductible?

The answers should be in the specific languages in the specific policy.

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 Re: encased cement pipe/please help so I don't have to hire a lawyer
Author: hj (AZ)

It depends on the company also. One company will cover a broken pipe under the floor, and others, such as Allstate, won't cover it unless the water is flowing across the floor, and causing damage.



Edited 1 times.

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