Hey all,

Looking for some feedback and advice.

During the recent heavy rains in Missouri, a window broke at my duplex property, causing the basement to flood. The tenant called 911, and the fire department shut off both the power and gas for safety reasons.

Now I’m facing a significant bill:

• The electrician quoted $6,000 to replace the entire electrical service. Both the breaker box and internal wiring were exposed to water and mud, so they’re recommending a full replacement for Units A and B.

• The environmental remediation company )gave a quote for $16,000 to clean up the mud, remove water-damaged items, apply antimicrobial treatment, and do HEPA vacuuming. DO I REALLY NEED IT?

• The insurance company denied the claim, saying it's a flooding event, which isn't covered under the policy.

Here’s what I want to ask:

1. Does this pricing seem reasonable? 

2. Has anyone successfully challenged a flood denial under similar circumstances (i.e., caused by broken windows during rain, not river overflow)?

3. Any tips on reducing costs or dealing with this out-of-pocket? Is it really neccesary to use a enviromental remediation company?

Really appreciate any insights!

Thanks in advance.