Explosions, inspections, etc.

[JollyGG]

[Bandit]

something like that would be like a small earthquake.

if that were me i would call insurance & have them send someone out. it does not mean you have to make any claims through an adjuster but they can see if any damage was done.

better safe than wondering sorry.

I smelled gas the other day across the street when walking back from the mailbox & went over to the gas meter & sure enough there was gas leaking big time. Methane has no real odor but they add the smell of rotten eggs to alarm customers.

at 4:30 in the morning reminds me of the time I was a little boy & there was a gas leak in the winter. we were all rushed out of the house to the neighbors feeling sick as my dad stayed to turn off the gas & meet with authorities.

[JollyGG]

Well, I decided to call my insurance agent. Unfortunately, since I am not filing a claim at this time, the responsibility for finding an inspector and the cost is my responsibility.

She said that if they found something and we ended up filing a claim the cost of the inspection would be part of that claim. But right now since I don't have damage over $1000 (my deductible) they don't do anything.

Sigh.

I really don't think that there is any damage, but it would be nice to make sure I have all my bases covered. After all, the house that lost the front window was further from the explosion than we are.

I guess now I have to decide what I want to do next.

Any suggestions?

[Bandit]

well yah, a massive bomb just went off 2 blocks from your house & of course insurance is not going to care, but they should & in fact they should care about everyone within those two blocks radius of where the explosion was.


I am consistently amazed at how insurance is today...always wanting to collect but never wanting to go out of their way to help & quite often will not pay claims, just because it was not your house that exploded.

I would look at the foundation & make sure that did not move from the house & if any large cracks in the walls appear...that is what they usually look for after earthquakes. If nothing fell off shelves or bounced off the walls then not to worry tooo much.

I smelled methane gas again today just a couple of hours ago. At the bus stop looking aorund for where a leak would be. I asked the girl waiting with me if she smelled gas & she said, "Yes, a little bit". I then realized the street lights were on gas & all of them were lit except for the one we were standing by and the wind was carrying it from 15 feet high back down to us as the net mesh that burn were gone. It is ok when they are lit but if we had been in doors, there is another explosion just waiting to happen.

[BigJohn]

I think you can file an insurance claim on the house that blew up on their homeowner's policy.

[JollyGG]

Yes, my understanding is that if we find any damage it is the house that blew up's insurance company that will have to pay for the damages.

However, right now, I don't think there is any damage and neither insurance company is real interested in helping me if I'm not filing a claim.

I do think I'll get a roofer out to look at our roof.

[BigJohn]

If you have a basement, you might want that checked out for leaks. Check for cracks in the concrete floor also. If you have carpetson concrete, that will make it difficult. Cracks in the concrete floor and/or cracks in the basement wall can be nightmares. They allow water to enter the building and then mold appears. Mold can be a serious health hazard. Another area of concern, is around the chimney.