Damaged legs

F

freeroll

Registered
I have a Brunswick Camden 3 pool table. It was in my basement, and recently, my basement flooded with backup from the sewer. The legs of the table were submerged in the water for about 10 hours, before I was able to dismantle it, and take it upstairs. A few hours after I had got the table out of the water, I noticed that one of the legs had cracked.
I am fully covered by my insurance company; however, they said there is not enough damage to replace the legs and/or the table. I am just looking to get an expert opinion on whether the legs would be as structurally sound, or not, as before it was in the water.
P.s. the table is 2 years old.

Thanks.
Adam.
 
freeroll said:
I have a Brunswick Camden 3 pool table. It was in my basement, and recently, my basement flooded with backup from the sewer. The legs of the table were submerged in the water for about 10 hours, before I was able to dismantle it, and take it upstairs. A few hours after I had got the table out of the water, I noticed that one of the legs had cracked.
I am fully covered by my insurance company; however, they said there is not enough damage to replace the legs and/or the table. I am just looking to get an expert opinion on whether the legs would be as structurally sound, or not, as before it was in the water.
P.s. the table is 2 years old.

Thanks.
Adam.
Click to expand...

What would be enough damage? Are the legs covered in laminate or solid wood?
 
The legs are solid wood.
The insurance adjuster told me that he would only authorize $100 to "fix" the leg that is visibly cracked.
 
I'd tell your adjuster to go jump in the lake. Get some estimates from billiard installers in your area, and take them to the insurance company. Tell them you will only accept a completed repair. You can be guaranteed that it will cost more than $100.

Scott Lee
http://poolknowledge.com

freeroll said:
The legs are solid wood.
The insurance adjuster told me that he would only authorize $100 to "fix" the leg that is visibly cracked.
Click to expand...
 
Scott Lee said:
I'd tell your adjuster to go jump in the lake. Get some estimates from billiard installers in your area, and take them to the insurance company. Tell them you will only accept a completed repair. You can be guaranteed that it will cost more than $100.

Scott Lee
http://poolknowledge.com
Click to expand...

This is good advice. After you take this advice, please post the name of your insurance company so we know who to stay away from.
 
Most home policies have at least a $500 deductable. I would check my policy before making a claim.
 
flyrv9 said:
Most home policies have at least a $500 deductable. I would check my policy before making a claim.
Click to expand...

My guess is that if the legs of the pool table were damaged, that more insured stuff in the same room would also be insured and those would reach the deductible limit.

The real question is does he have flood insurance?
 
I would think since it was a sewer pipe that leaked to cause the water damage the table legs and anything else would have become a bio hazard atlas. That is what happens when flooding happens in towns and the sewers back up. That being the case anything that that water touched that is porous would need to be disposed of. He should likely be looking for a 100% replacement of his table. Not just the legs simply being repaired.

I think the problem is more that the insurance companies typically will not cover replacement of furnishings other than in very limited cases. I lived through two major floods and even with content insurance and flood insurance most companies typically will only cover the sheetrock and limited major appliances. One of the floods I lived in there were about 134 houses condemned and when the insurance companies did this to them all most people just moved out and the town was dramatically hurt as most of those houses had to be destroyed.
 
Last edited:
Our content is fully covered by the insurance. They are replacing all other furniture, no questions asked. But as soon as they saw the receipt for the pool table, they refused to cover it, even though it does not even come close to putting us over the $100,000 maximum coverage for sewer backup.
I sent an email to Brunswick billiards, and got an email back from them that says the table and/or the legs should be replaced. So I'm sure I will be able to fight with the insurance company, and win. But, we pay for the insurance, so it would be nice to not have to fight with them to get what I am entitled to.
 
from someone that knows what to do first send them the estimate from Brunswick and their letter. then say you believe their company adjuster is not acting in good faith. use those words. that will scare them into working with you quickly.
 
Got any pics, so we might be able to understand better...

Is the table a 4 legged table or a 6 legged table..?
 
freeroll said:
Our content is fully covered by the insurance. They are replacing all other furniture, no questions asked. But as soon as they saw the receipt for the pool table, they refused to cover it, even though it does not even come close to putting us over the $100,000 maximum coverage for sewer backup.
I sent an email to Brunswick billiards, and got an email back from them that says the table and/or the legs should be replaced. So I'm sure I will be able to fight with the insurance company, and win. But, we pay for the insurance, so it would be nice to not have to fight with them to get what I am entitled to.
Click to expand...

I understand that Brunswick agrees the legs should be replaced. In fact if the old ones came in contact with tainted sewer water it would be a health hazard to have them in your home at all. There is another point though you have not mentioned. The fact that even if you replace the legs to the table the finish will not match. If this table is going to be handed down through your family or even sold as an antique at a later time the new replacement legs will significantly reduce the table value. Pool tables last a very long time. You can regularly find tables over 100 years old for sale on ebay around here.

I know if I was in the same situation as you I would be fighting tooth and nail to make it right. Them replacing all your other furniture without a second thought but not your table seems like they got sticker shock when they saw the receipt. I know the feeling as I recently purchased a Diamond Pro-Am. When non pool players hear how much a table costs they tend to think it is a waist of money to buy one. When people that play it all the time see the price and consider how long it will last they see it as well worth the cost. The table pays for itself in saved money over green fees.
 
You must log in or register to reply here.
Back
Top