Costco Water Damage

The purpose of this website is to document my water damage claim stemming from a refrigerator installation performed by Costco on 12-2-2024 so that others in the future will understand what a claim process is like, what to expect, and to be better prepared to navigate claims.

This particular claim involves displacing my wife, kids, and myself during the holidays as our home has been declared unlivable by mitigation specialists. While I'm sure this magnitude of loss is atypical, the goal is to give you a generalized idea as I previously went though a water loss and had no blueprint for how to deal with it. This is my blueprint for you.

On 12-2-2024 we had a KitchenAid refrigerator delivered and installed by Costco. I purchased a refrigerator from Costco.com that included delivery. Costco sent out an uninsured contractor to my house to install that caused major damage. The rest is being written.

Players in this claim

Click the name for more info (more to come)

Documentation

More coming soon

Communications

Copies of all of my emails with RXO, Costco, Sedgwick coming soon.

Expenses

These are the expenses to pay for our alternative living, mitigate our house, and bring our house back to the same condition it was in before the damage. Any enhancements, upgrades in materials, etc.. are not reflected here. These are my cost to be made whole and not a penny more.
Alternative Housing
17196.59
Damaged personal property (Incomplete)
72493.23
Environmental Protocol
875.00
Furniture moving and storage
9883.50
Furniture moving and storage
206.56
Mitigation Phase 1
10477.53
Alternative Housing
471.38
Moving Supplies
123.57
Alternative Housing
34393.19
Grand Piano Move to storage
852.50
Piano Storage so far ($75/mo)
450.00
Cost for Estimate
100.00
Cabinets and Countertops in 5 areas including kitchen
137419.38
Cost for Estimate
125.00
Mitigation Phase 2
69581.96
Post Remedial Environmental Verification
760.00
Concrete pad repair, tile, and backsplash
62293.00
Per Diem for food - no kitchen. FEMA rate $75 per day per person
27000.00
Insulation, Level 5 Drywall, and Painting
31498.48
Carpet
9997.00
Moving items back into house
8975.25
Mediation
660.00
Professional service fees for adjusting
86253.95
Post Construction Cleaning
3817.31
Carpentry (cabinets and mouldings), material, plumbing, electrical, plus misc finishing.
99658.32
Work missed to deal with rebuilding
12787.47

Pictures

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Costco Water Damage Blog

Last 3 entries

Click here for all blog entries
May 12, 2025

Had a first this weekend. One of the visitors to my site provided me with their phone number and I got to speak to them via phone instead of just email. It appears they had similar things happen to them and are dealing with some of the same players as I am in regards to the claim. She told me that Costco lowballed her and suggested she file a homeowners claim instead of making her whole. This seems to fit other stories I have been hearing from visitors.

I am currently tuning the infrastructure of this site so that if you have had an issue with Costco or RXO, your story can be posted here for all to see. We can enumerate the issues and discover patterns of treatment in these claims.

I consulted with the attorney who will be filing my suit against Costco and RXO last week. Lawsuit being drafted. Will publish a copy here the day it is filed with the courts. You'll get to see it before Costco and RXO are served with a copy.

May 6, 2025

After reflection post mediation I have decided the following:  RXO has so many people involved that no one person clearly understands the claim. Comically, the absolute only feedback I received during our mediation today were about items we weren't even asking to be reimbursed for.

While a lawsuit is in the works, I've decided to wholeheartedly up my public embarrassment of both Costco and RXO. It is very clear that these behemoths of companies have absolutely no problem taking my family's money and misery to boost their profits. The only way you can fight that kind of greed is with the light of day.

Over the next few weeks I will be hiring someone to rewrite this website in a way that is easily digestible to casual consumers. I will update this with the names of the people from RXO, Sedgwick, Costco, etc.. and copy their emails here for all to see. I will hide nothing.

I will use my web developer skills to automate social media comments about Costco and RXO on any public post made by anyone that uses mentions for either company to maximize the audience that sees this website. For the low low price of about $10 per month, an API review,  and three hours of my time I can put this website in front of millions via social media commenting.

I just created a sister website - RXOWaterDamage.com - and will be revitalizing both websites to include RXO into this.

I don't know why it took me so long to do so, but I looked up RXO HQ - and it's in Ballantyne. I used to live in Ballantyne and still have people there. You will see my "RXO Hires uninsured contractors: RXOWaterDamage.com" signs there.

You will see "Costco uses uninsured contractors: Buyer Beware: CostcoWaterDamage.com" signs locally here in Jax and in NC.

3 months of ClearChannel Billboards of both signs. Out of spite.

And finally, for now, I intend on paying someone to to fully write an article and link to this website, and have it published on the newswire.

Based upon the laughable offer they made me months ago, it's clear they want me to remain silent about this as they want me to sign a confidentiality agreement and a non disparagement agreement. Tough luck. Unless I am made 100% whole, not a dollar more or less, I wouldn't even entertain the idea.. They ran into a customer this time that cannot be pushed around or bullied into a lowball settlement and I relish the fact that I get to put them on blast for years to come. I'm not in any hurry to make them do what they should have done months ago.

May 5, 2025

Mediation has concluded for the day. Details confidential, but no agreements were made. Lawsuit will be filed next.

During the lawsuit they will depose every single contractor that has come to my house and attempt to discredit them. They will attempt to discredit all of the hardworking small business owners in our town that provided independent third party analysis and guidance in a time when I most needed them - at a time when Costco/RXO provided no guidance at all - and at a time when I was footing 100% of the bill. I can't wait. Will update this blog continuously with lawsuit filings, deposition transcripts, and outcomes as they come. They will spend hundreds of thousands of dollars (or more) to attempt to discredit these people and to avoid making me whole for their mistakes. This is who you do business with if you buy from Costco.  

I had been talked out of doing it before the mediation, but expect to find sign holders at the three local area Costco's holding a CostcoWaterDamage.com sign from the public sidewalks later this month.

Not once during mediation did anybody say "here is why we think what we think" and not once were we asked "why do you think what you think". The mediator was nice and gracious, but this entire thing could have been a quick email.

Testimonials from other Costco/RXO Victims

Coming soon - currently gathering pictures and feedback from other victims.