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When people say their "liability insurance covered" something it probably means the insurance also fought whoever they could so that they had to pay as little a
by xmprt 4y ago
When people say their "liability insurance covered" something it probably means the insurance also fought whoever they could so that they had to pay as little as possible. In this case, it's possible they went after the hotel for negligence as well.
- mey 4y agoI feel like that is one of the overlooked values you have in having insurance coverage. You can resolve the issue with your provider and let them go to bat downstream, claw back anything they need to, without destroying your own life.
- Breza 4y agoTotally agree. There's the obvious part of insurance: If there's a 1% chance of something bad costing you $1000, you can buy insurance for $12. Then there's the less obvious part, which is that the insurance company might only have to pay $900 for the same risk that would cost you $1000.
- tylergetsay 4y agoI had an overfilled tub that resulted in a similiar result however much smaller (~8k in damage). I talked to the people who fixed it and they had an extremely set process to document everything and satisfy the insurance company. I suspect its less that they fight but more that they set the market price for repairs. Multiple worksheets from various insurance groups to document the moisture content, square footage affected, pictures, etc.