Lift station in neighborhood struck by lightning, flooded home with raw sewage. City denied claim 3 times. Changed insurance
companies during this time. Discovered issue was that city hired 3rd party (motorola) to add wi-fi to area. Utilized lift station power source and didn't ground it, so in essence the antenna served as a lightning rod and the system failed. City admitted this has happened before.
JA: The Lawyer will need to help you with this. Have you consulted a lawyer yet?
Customer: Yes. Been given runaround due to 1st party vs 3rd party...was only willing to sue homeowners insurance
which excluded this type of event. Found 3rd party who then said doesn't fit into business plan to handle this type of case. Damages have been estimated to be $60K without personal belongings included.
JA: What advice did they give you?
Customer: The city mgr told us to sue the city in order to collect & file complaint with state insurance commission. That is in process. The further issue that hasn't been addressed is the safety concern over whether all the mold is gone because the walls were never taken down, nor any downstream health concerns as a result of standing in raw sewage until the fire dept showed up.
JA: Is there anything else important you think the Lawyer should know?
Customer: The damages were doubled as a result of the fire dept going upstairs to verify if flooding occurred and trekked though the sewage in doing so and cross-contaminated the upstairs thereby forcing all the carpet to be torn up and discarded.
JA: I'm sending you to a secure page on JustAnswer so you can place the $5 fully refundable deposit now. While you're filling out that form, I'll tell the Lawyer about your situation and connect you two.