Huge "brewery" disaster, need some advice

[jturie]

The glass will survive with a good cleaning, but I don't know about the plastic....I'd pitch it and make her insurance company pick up the tab. No sense taking a chance on ruining a 40 buck batch of ingredients.

Come to think of it, we've all just learned how to make Coors Lite!!!!

 

[Marsdude]

You really don't need to toss the plastic if you sanitize is really well. I have to work really closely with our local Health Dept. concerning our wells and water supply system for the camp and conference center I manage. Sewage gets into water systems more that you would like to think about and the clean up for that is - bleach.

Just put two cups of bleach in your bucket and fill it with water. Let it set for a couple of hours and your good to go.

However, I would totally understand if you toss it - after looking at that picture - yuck!

 

[springer]

Umm was it the tub that over flowed as in she left it running and walked away or was the pipe leaking ?Either way its grey water not poop water the brown you are seeing is the resin and dirt that is in the wood and the ceiling . I would just sanitize everything with a strong bleach solution then rinse well and then use whatever sanitizer you use normally .

You can claim it all if you choose to the insurance will pay it out also .

 

[BlueSunshine]

Umm was it the tub that over flowed as in she left it running and walked away or was the pipe leaking ?Either way its grey water not poop water the brown you are seeing is the resin and dirt that is in the wood and the ceiling . I would just sanitize everything with a strong bleach solution then rinse well and then use whatever sanitizer you use normally .

You can claim it all if you choose to the insurance will pay it out also .

You might be right, but it does smell awful. From my understanding she let her tub and sink overflow for months at a time carelessly.

What about my autosiphon? There's alot of nooks and crannies in that thing and I'm concerned that I won't be able to zap everything.

 

[springer]

get yourself a wall paper tray and fill it with a bleach solution and just soak the autosyphon for a few hours nothing will survive

 

[brewagentjay]

Call it all trash so as to get all new stuff from insurance and security deposit. Then clean all the non plastic items. Now you'll have some extra stuff.

 

[remilard]

I think you guys are misunderstanding how renters insurance works.

Renters insurance is generally not required legally.

Let's assume that the OP and the woman upstairs have it. The woman's policy covers her own contents and none of the OPs so the damage to the OPs contents can not be made on her policy.

The OPs policy will cover damage to his contents from one of several named perils. I do not believe water overflowing from a bathtub was a named peril on any of my renter's policies so I would guess this is not a covered event.

More important is that all of these policies, such that they exist, will have deductibles probably well in excess of the damages to the brewing equipment (unless you fraudulently claim those conical fermenters or something).

 

[steinsato]

I'd make sure you let her insurance company know that you had state of the art Blichman brewing equiptment and tell them you expect to be compensated completely.

 

[BendBrewer]

I think you guys are misunderstanding how renters insurance works.

Renters insurance is generally not required legally.

Let's assume that the OP and the woman upstairs have it. The woman's policy covers her own contents and none of the OPs so the damage to the OPs contents can not be made on her policy.

The OPs policy will cover damage to his contents from one of several named perils. I do not believe water overflowing from a bathtub was a named peril on any of my renter's policies so I would guess this is not a covered event.

More important is that all of these policies, such that they exist, will have deductibles probably well in excess of the damages to the brewing equipment (unless you fraudulently claim those conical fermenters or something).

I agree that Insurance is just one big scam.

 

[GLWIII]

Giving new meaning to term "Broo-doo".

 

[springer]

I think you guys are misunderstanding how renters insurance works.

Renters insurance is generally not required legally.

Let's assume that the OP and the woman upstairs have it. The woman's policy covers her own contents and none of the OPs so the damage to the OPs contents can not be made on her policy.

The OPs policy will cover damage to his contents from one of several named perils. I do not believe water overflowing from a bathtub was a named peril on any of my renter's policies so I would guess this is not a covered event.

More important is that all of these policies, such that they exist, will have deductibles probably well in excess of the damages to the brewing equipment (unless you fraudulently claim those conical fermenters or something).

Not entirely true her insurance wont pay if she wasn't negligent like her hot water heater sprung a leak . Here she is negligent by allowing the tub to overflow. If it was an ongoing leak in the pipe its really the land lords problem . in a condo situation its would be covered under the master policy that the association has in place . Lots of variables to consider .

Water damage cause by anything other than flood is covered . Also when your insurance pays out to another party under liability there is no deduct the deductible is only on damage to the named insureds property.. granted it varies from state to state but the premise is the same

 

[IndyMatt]

Damn that is some cheap piece of mind, less than $6 a month!
As I understand the way insurance companies work is they take your monay and if something goes wrong they pay for it (up to some value that was pre decided) and if that something that went wrong was somebodies fault other than yours they will then chase them to get their money back.

This is called subrogation, big fancy word meaning your insurance company will pay and then seek reimbursement from their insurance for the expenses/money paid to you.

If for any reason her insurance policy does not pay and this was indeed due to her letting a tub or sink overflow and not a slow leak, I would take her to small claims court.

 

[IrregularPulse]

ditto, if the insurance route doesn't work, I'd at least be suing for new equipment and the cost of have my apartment professionally cleaned and sanitized!!!

 

[IndyMatt]

Not entirely true her insurance wont pay if she wasn't negligent like her hot water heater sprung a leak . Here she is negligent by allowing the tub to overflow. If it was an ongoing leak in the pipe its really the land lords problem . in a condo situation its would be covered under the master policy that the association has in place . Lots of variables to consider .

Water damage cause by anything other than flood is covered . Also when your insurance pays out to another party under liability there is no deduct the deductible is only on damage to the named insureds property.. granted it varies from state to state but the premise is the same

Agree with everything you basically said but, thie part bolded. Sometimes you need to have a rider for sewer backup, flooded basements due to a sump pump failure, etc. Just another variable...so it depends!

Also requiring renter's insurance can be a required by ordinance or law. However more often than not it is required within the lease agreement. I had to show prrof of renter's insurance before being able to sign a lease or even a continuation of a lease before.

 

[keelanfish]

This is the worst post I've seen in a while. Dear God, I'm sorry for you. Someone other than you (renter or landlord) should make this right and provide cleanup, and replacement of anything effected by this. Just damn.

 

[indeedproceed]

I think you guys are misunderstanding how renters insurance works.

Renters insurance is generally not required legally.

Let's assume that the OP and the woman upstairs have it. The woman's policy covers her own contents and none of the OPs so the damage to the OPs contents can not be made on her policy.

The OPs policy will cover damage to his contents from one of several named perils. I do not believe water overflowing from a bathtub was a named peril on any of my renter's policies so I would guess this is not a covered event.

More important is that all of these policies, such that they exist, will have deductibles probably well in excess of the damages to the brewing equipment (unless you fraudulently claim those conical fermenters or something).

That is not true. Renter's Insurance, at least in NY State, comes with liability. I know mine comes with 100k minimum, and I sell insurance for a living.

If she had a renter's policy, and the OP had a renters policy, and the cause of loss was decided to be negligence on her part, her policy would be the primary. THe OP's could use subrogation to recoup any payout, but that would still eventually make the lady's policy the primary.

 

[Burgs]

Holy Smokes!!! - That awesome blickman conical/kettle you had totally dissolved in that putrid sewage. Dang.. it's good you go insurance

haha, love it... ;-)

 

[bonzombiekitty]

Call it all trash so as to get all new stuff from insurance and security deposit. Then clean all the non plastic items. Now you'll have some extra stuff.

Which would be insurance fraud.

 

[springer]

Agree with everything you basically said but, thie part bolded. Sometimes you need to have a rider for sewer backup, flooded basements due to a sump pump failure, etc. Just another variable...so it depends!

Also requiring renter's insurance can be a required by ordinance or law. However more often than not it is required within the lease agreement. I had to show prrof of renter's insurance before being able to sign a lease or even a continuation of a lease before.

neither of these are offered on the renters policy that I sell and I have never seen it on any policies from other companies . It's only available on homeowners so condo are out also. Never heard that you have to have renters or even homeowners ins. I sell ins in NY

 

[indeedproceed]

That is not true. Renter's Insurance, at least in NY State, comes with liability. I know mine comes with 100k minimum, and I sell insurance for a living.

If she had a renter's policy, and the OP had a renters policy, and the cause of loss was decided to be negligence on her part, her policy would be the primary. THe OP's could use subrogation to recoup any payout, but that would still eventually make the lady's policy the primary.

Also, I dug around a little bit (for something I should have already known, but anyways...)

H0-4's (common renter's policy) also cover the following:

12.Accidental discharge or overflow of water or
steam from within a plumbing, heating, air conditioning
or automatic fire protective sprinkler system
or from within a household appliance.
This peril does not include loss:
a. To the system or appliance from which the
water or steam escaped;
b. Caused by or resulting from freezing except as
provided in the peril of freezing below; or
c. On the "residence premises" caused by accidental
discharge or overflow which occurs
away from the building where the "residence
premises" is located.
In this peril, a plumbing system does not include a
sump, sump pump or related equipment.

So today's lesson: Get Renter's insurance if you upstairs neighbor is going to dump sewage all over your brew equipment.

 

[BlueSunshine]

Yeah, the lady has no insurance so I'm just going to get the dough from the security deposit rather than taking her to small claims court.

 

[springer]

Yeah, the lady has no insurance so I'm just going to get the dough from the security deposit rather than taking her to small claims court.

land lord giving you yours or hers? never seen this done as the security deposit is to protect the landlord . I escrow the security from my rental property and give it back when the tenant moves out if there is no damage to my place.

 

[extra_medium]

what about your stainless steel conical (wink) that was damanged and needs to be replaced, and both pumps....Ohh the humanity!!!

 

[BlueSunshine]

land lord giving you yours or hers? never seen this done as the security deposit is to protect the landlord . I escrow the security from my rental property and give it back when the tenant moves out if there is no damage to my place.

Hers because I'm kinda the landlord. My parents and I own both places, it's complicated.

 

[springer]

Hers because I'm kinda the landlord. My parents and I own both places, it's complicated.

I see ....

 

[BryanJ]

I wouldn't suggest taking the security deposit unless she is being evicted. It is not your money to decide what to do with it. Legally I don't think you can do that, just take her to small claims court.

 

[ggoodman]

I wouldn't suggest taking the security deposit unless she is being evicted. It is not your money to decide what to do with it. Legally I don't think you can do that, just take her to small claims court.

2nd the notion, and what happens when she does additional damage to the house? then whre's the money coming from..


Small claims court or write her a letter requesting payment for losses.

 

[KCBrewer]

If the water was from the tub overflowing, it is fresh water not sewer water, and isn't really be a big deal. The water is brown from running through the wood and sheetrock between the floors, and while it looks like sh***y water, it probably doesn't contain much bacteria. If it had been a sewer/drain line backup, then it would be full of bacteria (truly sh***y water). A good soak in bleach water should be more than sufficient.

I've dealt with countless numbers of leaks like this. I would be more concerned about making sure the inside of the walls are thoroughly dried before they sheetrock them closed, otherwise it will turn to mold in no time.