My home has water damage from a faulty gutter, that basically created a waterfall that splashed on one particular part of the stucco. The water eventually bubbled the exterior paint in that particular spot, and came through the stucco, and block. This was caused by the roofers using my gutters as footholds, and they bent them in places. I originally brought this to the roofer's attention, and he had a gutter company check them. They said they were fine, I moved on since it wasn't that noticeable, and was happy with a new roof. That was in February.
Fast forward to rainy season in Florida, and I noticed a small section of baseboard discolored in my living room, which I hardly go in. The discoloring got worse, and I noticed my laminate floor was slightly warped. One day it's raining and I happen to look out the window, and saw a waterfall. I went outside and saw where the water was splashing over the bent gutter, onto my house.
I called the claims company that handled the roof, and they told me too bad, make another claim. I did that, and I was sent a low five figure check. In the adjusters report he put the entire 1,300 square feet of laminate was to be replaced (because it's one huge flowing floor, with no breaks), of course with the damaged baseboards, stucco, paint, etc... Nothing about the gutters which caused the problem.
I put the floor in myself less than 10 years ago. In my opinion there is only a few rows of boards that will need to be replaced in that room only. I was planning on using that money to have a pro fix the stucco, paint the house, replace any damaged drywall. I was going to fix the interior myself, and use saved money for the gutters.
My Mortgage company wants me to fix the house specifically to the adjuster's report. I see no need to rip up over 1,000 square feet of perfectly good floor. Then if there's no money left, I have to replace the gutters out of pocket.
I just mailed the check to the mortgage company. They are going to endorse it, and send it back for me to deposit, and have repairs made. They said that I needed to do what's on the report, and it will be inspected by them after.
Can I fix the portion of the floor and baseboard that's damaged, and leave the rest which is in very good to excellent condition?