Re: The Great Flood

So far, State Farm has been great. We are using their Preferred Service Plan, which is basically you pay your full deductible up front, and from then on you pay nothing. Once the general contractor and the flooring contractor get involved, State Farm pays them, not us. The only thing(s) we pay are any upgrades that we want (counter tops, flooring, carpet, etc).

You pay the deductible to people who dry out the house. However, I was told by the operations manager guy that came out a couple of times during the process that their bill ALONE would probably end up twice what my deductible was (State Farm will pay them the difference). So right then, I'm ahead of the game....

State Farm gave us a list of 4 or 5 general and flooring contractors to choose from. If you don't have a preference, the next ones in the rotation are chosen for you. While they won't "endorse" any one over the other (since they all have to meet certain standards for State Farm), one of the State Farm guys who works in this program told me about each one, so I got a sense of them.

State Farm is also paying for any increase in our electric bill during the dry out time (our usage went WAY up...3076 kwh the month before to 4800 this month), any increase in our water bill, eating expenses since our kitchen will be torn up and not usable, and for any days we have to stay in a hotel or extended stay place.

So far they are getting high marks from me....