Re: Class action against State Farm and others

[Guest guest]

Sounds like State Farm runs like my fight with the Government. I wish people

would get IT !

Janet

[Guest guest]

Sounds like State Farm runs like my fight with the Government. I wish people

would get IT !

Janet

[Guest guest]

Group --

I have been thinking lately that class action against the broader

insurance industry would have a valid base. Bad Faith and other

violations don't seem out of the question.

Perhaps the prevailing lawyers from the Tobacco settlements are

looking for the next big thing?

Lee

>

> To anyone interested,

>

> I am looking for anyone in central Florida who feels they have gotten

> the run-around by insurance adjusters.

>

> I have recently been working in central Florida in the hurricane

> ravaged areas. I have tested homes and found unacceptable moisture

> content levels (0.7 Aw or higher) in gypsum board above the 4 foot

> line. We have been told by every State Farm insurance adjuster they

> will only cover 4 feet of wallboard removal - even though the water

> sat in the house for several days to a week.

>

> One adjuster claimed FEMA mandated the 4 foot level for coverage

> under the National Flood Insurance Program (NFIP). We have made

> calls to FEMA and found this to be a complete fabrication. A State

> Farm adjuster even admitted this fact to several witnesses when we

> put them on the spot at a later date.

>

> State Farm adjusters are saying their is no coverage for mold even

> though FEMA's website says otherwise. The truly sad part is the

> knowledge gained from North Carolina after they were hit by 2

> hurricanes in one year is public knowledge. One of my partners is a

> former independent adjuster. He indicates the adjusters of today are

> poorly trained and told the canned response when they are dealing

> with a catastrophic event like a hurricane. From what I've seen, he

> is right on mark. They can't even read a simple document for the

> amount of coverage for additional living expenses (ALE).

>

> What the homeowners don't know is the part that is a kick in the

> pants:

>

> If an adjuster lowballs the cost to fix covered damages, the

> structure will not be done right. If the structure is not done

> right, you can't sell the property. You will now have an economic

> loss since you will be forced to sell at a lower price or no sell at

> all.

>

> You might buy one of these home and find it moldy. Your insurance

> will not cover any pre-existing problems while you go belly-up.

>

> More than one resident in Port Orange FL have publicly complained at

> a town hall meeting about the behavior or State Farm and Allstate.

> The mayor has told the residents to go after them for bad faith if

> they are lowballing the jobs. The mayor is a general contractor and

> understands the dilemma.

>

> Even worse, there are firms who are engaging in remediation according

> to their own scope of work. These firms do not have professional

> insurance. Usually CGL policies do not cover professional acts.

> This means a homeowner has no one to pursue if the job is botched and

> the house left moldy. I find it ironic an insurance company like

> State Farm allows contractors to engage in activities that put the

> policy holders in economic and/or financial risk due to insurance

> coverage issues.

>

> Regards,

>

> Greg Weatherman

> aerobioLogical Solutions Inc.

> Arlington VA 22202

>

> gw@a...

[Guest guest]

Group --

I have been thinking lately that class action against the broader

insurance industry would have a valid base. Bad Faith and other

violations don't seem out of the question.

Perhaps the prevailing lawyers from the Tobacco settlements are

looking for the next big thing?

Lee

>

> To anyone interested,

>

> I am looking for anyone in central Florida who feels they have gotten

> the run-around by insurance adjusters.

>

> I have recently been working in central Florida in the hurricane

> ravaged areas. I have tested homes and found unacceptable moisture

> content levels (0.7 Aw or higher) in gypsum board above the 4 foot

> line. We have been told by every State Farm insurance adjuster they

> will only cover 4 feet of wallboard removal - even though the water

> sat in the house for several days to a week.

>

> One adjuster claimed FEMA mandated the 4 foot level for coverage

> under the National Flood Insurance Program (NFIP). We have made

> calls to FEMA and found this to be a complete fabrication. A State

> Farm adjuster even admitted this fact to several witnesses when we

> put them on the spot at a later date.

>

> State Farm adjusters are saying their is no coverage for mold even

> though FEMA's website says otherwise. The truly sad part is the

> knowledge gained from North Carolina after they were hit by 2

> hurricanes in one year is public knowledge. One of my partners is a

> former independent adjuster. He indicates the adjusters of today are

> poorly trained and told the canned response when they are dealing

> with a catastrophic event like a hurricane. From what I've seen, he

> is right on mark. They can't even read a simple document for the

> amount of coverage for additional living expenses (ALE).

>

> What the homeowners don't know is the part that is a kick in the

> pants:

>

> If an adjuster lowballs the cost to fix covered damages, the

> structure will not be done right. If the structure is not done

> right, you can't sell the property. You will now have an economic

> loss since you will be forced to sell at a lower price or no sell at

> all.

>

> You might buy one of these home and find it moldy. Your insurance

> will not cover any pre-existing problems while you go belly-up.

>

> More than one resident in Port Orange FL have publicly complained at

> a town hall meeting about the behavior or State Farm and Allstate.

> The mayor has told the residents to go after them for bad faith if

> they are lowballing the jobs. The mayor is a general contractor and

> understands the dilemma.

>

> Even worse, there are firms who are engaging in remediation according

> to their own scope of work. These firms do not have professional

> insurance. Usually CGL policies do not cover professional acts.

> This means a homeowner has no one to pursue if the job is botched and

> the house left moldy. I find it ironic an insurance company like

> State Farm allows contractors to engage in activities that put the

> policy holders in economic and/or financial risk due to insurance

> coverage issues.

>

> Regards,

>

> Greg Weatherman

> aerobioLogical Solutions Inc.

> Arlington VA 22202

>

> gw@a...

[Guest guest]

Get the ball rolling, athan! I'll join.

Barth

TOXIC MOLD SURVEY: www.presenting.net/sbs/sbssurvey.html

---

m> Group --

m> I have been thinking lately that class action against the broader

m> insurance industry would have a valid base.   Bad Faith and other

m> violations don't seem out of the question.

m> Perhaps the prevailing lawyers from the Tobacco settlements are

m> looking for the next big thing?

m> Lee

m>

>>

>> To anyone interested,

>>

>> I am looking for anyone in central Florida who feels they have gotten

>> the run-around by insurance adjusters.

>>

>> I have recently been working in central Florida in the hurricane

>> ravaged areas.  I have tested homes and found unacceptable moisture

>> content levels (0.7 Aw or higher) in gypsum board above the 4 foot

>> line.  We have been told by every State Farm insurance adjuster they

>> will only cover 4 feet of wallboard removal - even though the water

>> sat in the house for several days to a week.

>>

>> One adjuster claimed FEMA mandated the 4 foot level for coverage

>> under the National Flood Insurance Program (NFIP).  We have made

>> calls to FEMA and found this to be a complete fabrication.  A State

>> Farm adjuster even admitted this fact to several witnesses when we

>> put them on the spot at a later date.

>>

>> State Farm adjusters are saying their is no coverage for mold even

>> though FEMA's website says otherwise.  The truly sad part is the

>> knowledge gained from North Carolina after they were hit by 2

>> hurricanes in one year is public knowledge.  One of my partners is a

>> former independent adjuster.  He indicates the adjusters of today are

>> poorly trained and told the canned response when they are dealing

>> with a catastrophic event like a hurricane.  From what I've seen, he

>> is right on mark.  They can't even read a simple document for the

>> amount of coverage for additional living expenses (ALE).

>>

>> What the homeowners don't know is the part that is a kick in the

>> pants:

>>

>> If an adjuster lowballs the cost to fix covered damages, the

>> structure will not be done right.  If the structure is not done

>> right, you can't sell the property.  You will now have an economic

>> loss since you will be forced to sell at a lower price or no sell at

>> all.

>>

>> You might buy one of these home and find it moldy.  Your insurance

>> will not cover any pre-existing problems while you go belly-up.

>>

>> More than one resident in Port Orange FL have publicly complained at

>> a town hall meeting about the behavior or State Farm and Allstate. 

>> The mayor has told the residents to go after them for bad faith if

>> they are lowballing the jobs.  The mayor is a general contractor and

>> understands the dilemma.

>>

>> Even worse, there are firms who are engaging in remediation according

>> to their own scope of work. These firms do not have professional

>> insurance.  Usually CGL policies do not cover professional acts. 

>> This means a homeowner has no one to pursue if the job is botched and

>> the house left moldy. I find it ironic an insurance company like

>> State Farm allows contractors to engage in activities that put the

>> policy holders in economic and/or financial risk due to insurance

>> coverage issues.

>>

>> Regards,

>>

>> Greg Weatherman

>> aerobioLogical Solutions Inc.

>> Arlington VA 22202

>>

>> gw@a...

m> FAIR USE NOTICE:

m> This site contains copyrighted material the use of which has not always been

specifically authorized by the copyright owner. We are making such material

available in our efforts to advance

m> understanding of environmental, political, human rights, economic, democracy,

scientific, and social justice issues, etc. We believe this constitutes a 'fair

use' of any such copyrighted material

m> as provided for in section 107 of the US Copyright Law. In accordance with

Title 17 U.S.C. Section 107, the material on this site is distributed without

profit to those who have expressed a prior

m> interest in receiving the included information for research and educational

purposes. For more information go to:

http://www.law.cornell.edu/uscode/17/107.shtml. If you wish to use copyrighted

m> material from this site for purposes of your own that go beyond 'fair use',

you must obtain permission from the copyright owner.

m>

[Guest guest]

Get the ball rolling, athan! I'll join.

Barth

TOXIC MOLD SURVEY: www.presenting.net/sbs/sbssurvey.html

---

m> Group --

m> I have been thinking lately that class action against the broader

m> insurance industry would have a valid base.   Bad Faith and other

m> violations don't seem out of the question.

m> Perhaps the prevailing lawyers from the Tobacco settlements are

m> looking for the next big thing?

m> Lee

m>

>>

>> To anyone interested,

>>

>> I am looking for anyone in central Florida who feels they have gotten

>> the run-around by insurance adjusters.

>>

>> I have recently been working in central Florida in the hurricane

>> ravaged areas.  I have tested homes and found unacceptable moisture

>> content levels (0.7 Aw or higher) in gypsum board above the 4 foot

>> line.  We have been told by every State Farm insurance adjuster they

>> will only cover 4 feet of wallboard removal - even though the water

>> sat in the house for several days to a week.

>>

>> One adjuster claimed FEMA mandated the 4 foot level for coverage

>> under the National Flood Insurance Program (NFIP).  We have made

>> calls to FEMA and found this to be a complete fabrication.  A State

>> Farm adjuster even admitted this fact to several witnesses when we

>> put them on the spot at a later date.

>>

>> State Farm adjusters are saying their is no coverage for mold even

>> though FEMA's website says otherwise.  The truly sad part is the

>> knowledge gained from North Carolina after they were hit by 2

>> hurricanes in one year is public knowledge.  One of my partners is a

>> former independent adjuster.  He indicates the adjusters of today are

>> poorly trained and told the canned response when they are dealing

>> with a catastrophic event like a hurricane.  From what I've seen, he

>> is right on mark.  They can't even read a simple document for the

>> amount of coverage for additional living expenses (ALE).

>>

>> What the homeowners don't know is the part that is a kick in the

>> pants:

>>

>> If an adjuster lowballs the cost to fix covered damages, the

>> structure will not be done right.  If the structure is not done

>> right, you can't sell the property.  You will now have an economic

>> loss since you will be forced to sell at a lower price or no sell at

>> all.

>>

>> You might buy one of these home and find it moldy.  Your insurance

>> will not cover any pre-existing problems while you go belly-up.

>>

>> More than one resident in Port Orange FL have publicly complained at

>> a town hall meeting about the behavior or State Farm and Allstate. 

>> The mayor has told the residents to go after them for bad faith if

>> they are lowballing the jobs.  The mayor is a general contractor and

>> understands the dilemma.

>>

>> Even worse, there are firms who are engaging in remediation according

>> to their own scope of work. These firms do not have professional

>> insurance.  Usually CGL policies do not cover professional acts. 

>> This means a homeowner has no one to pursue if the job is botched and

>> the house left moldy. I find it ironic an insurance company like

>> State Farm allows contractors to engage in activities that put the

>> policy holders in economic and/or financial risk due to insurance

>> coverage issues.

>>

>> Regards,

>>

>> Greg Weatherman

>> aerobioLogical Solutions Inc.

>> Arlington VA 22202

>>

>> gw@a...

m> FAIR USE NOTICE:

m> This site contains copyrighted material the use of which has not always been

specifically authorized by the copyright owner. We are making such material

available in our efforts to advance

m> understanding of environmental, political, human rights, economic, democracy,

scientific, and social justice issues, etc. We believe this constitutes a 'fair

use' of any such copyrighted material

m> as provided for in section 107 of the US Copyright Law. In accordance with

Title 17 U.S.C. Section 107, the material on this site is distributed without

profit to those who have expressed a prior

m> interest in receiving the included information for research and educational

purposes. For more information go to:

http://www.law.cornell.edu/uscode/17/107.shtml. If you wish to use copyrighted

m> material from this site for purposes of your own that go beyond 'fair use',

you must obtain permission from the copyright owner.

m>

[Guest guest]

Sounds like a good idea to me. I am still in litigation after flying

back to RI for two mediations in my fight against the insurance company

and condo association. Also, my homeowner's insurance canceled me

after two of the water intrusion claims, even though they didn't pay me

a cent. Now I cannot get any homeowner's insurance.

Judi

On Oct 27, 2004, at 7:40 PM, moldincolo wrote:

>

>

> Group --

>

> I have been thinking lately that class action against the broader

> insurance industry would have a valid base. Bad Faith and other

> violations don't seem out of the question.

>

> Perhaps the prevailing lawyers from the Tobacco settlements are

> looking for the next big thing?

>

> Lee

>

>

>

>>

>> To anyone interested,

>>

>> I am looking for anyone in central Florida who feels they have gotten

>> the run-around by insurance adjusters.

>>

>> I have recently been working in central Florida in the hurricane

>> ravaged areas. I have tested homes and found unacceptable moisture

>> content levels (0.7 Aw or higher) in gypsum board above the 4 foot

>> line. We have been told by every State Farm insurance adjuster they

>> will only cover 4 feet of wallboard removal - even though the water

>> sat in the house for several days to a week.

>>

>> One adjuster claimed FEMA mandated the 4 foot level for coverage

>> under the National Flood Insurance Program (NFIP). We have made

>> calls to FEMA and found this to be a complete fabrication. A State

>> Farm adjuster even admitted this fact to several witnesses when we

>> put them on the spot at a later date.

>>

>> State Farm adjusters are saying their is no coverage for mold even

>> though FEMA's website says otherwise. The truly sad part is the

>> knowledge gained from North Carolina after they were hit by 2

>> hurricanes in one year is public knowledge. One of my partners is a

>> former independent adjuster. He indicates the adjusters of today are

>> poorly trained and told the canned response when they are dealing

>> with a catastrophic event like a hurricane. From what I've seen, he

>> is right on mark. They can't even read a simple document for the

>> amount of coverage for additional living expenses (ALE).

>>

>> What the homeowners don't know is the part that is a kick in the

>> pants:

>>

>> If an adjuster lowballs the cost to fix covered damages, the

>> structure will not be done right. If the structure is not done

>> right, you can't sell the property. You will now have an economic

>> loss since you will be forced to sell at a lower price or no sell at

>> all.

>>

>> You might buy one of these home and find it moldy. Your insurance

>> will not cover any pre-existing problems while you go belly-up.

>>

>> More than one resident in Port Orange FL have publicly complained at

>> a town hall meeting about the behavior or State Farm and Allstate.

>> The mayor has told the residents to go after them for bad faith if

>> they are lowballing the jobs. The mayor is a general contractor and

>> understands the dilemma.

>>

>> Even worse, there are firms who are engaging in remediation according

>> to their own scope of work. These firms do not have professional

>> insurance. Usually CGL policies do not cover professional acts.

>> This means a homeowner has no one to pursue if the job is botched and

>> the house left moldy. I find it ironic an insurance company like

>> State Farm allows contractors to engage in activities that put the

>> policy holders in economic and/or financial risk due to insurance

>> coverage issues.

>>

>> Regards,

>>

>> Greg Weatherman

>> aerobioLogical Solutions Inc.

>> Arlington VA 22202

>>

>> gw@a...

>

>

>

>

>

>

> FAIR USE NOTICE:

>

> This site contains copyrighted material the use of which has not

> always been specifically authorized by the copyright owner. We are

> making such material available in our efforts to advance understanding

> of environmental, political, human rights, economic, democracy,

> scientific, and social justice issues, etc. We believe this

> constitutes a 'fair use' of any such copyrighted material as provided

> for in section 107 of the US Copyright Law. In accordance with Title

> 17 U.S.C. Section 107, the material on this site is distributed

> without profit to those who have expressed a prior interest in

> receiving the included information for research and educational

> purposes. For more information go to:

> http://www.law.cornell.edu/uscode/17/107.shtml. If you wish to use

> copyrighted material from this site for purposes of your own that go

> beyond 'fair use', you must obtain permission from the copyright

> owner.

>

[Guest guest]

Sounds like a good idea to me. I am still in litigation after flying

back to RI for two mediations in my fight against the insurance company

and condo association. Also, my homeowner's insurance canceled me

after two of the water intrusion claims, even though they didn't pay me

a cent. Now I cannot get any homeowner's insurance.

Judi

On Oct 27, 2004, at 7:40 PM, moldincolo wrote:

>

>

> Group --

>

> I have been thinking lately that class action against the broader

> insurance industry would have a valid base. Bad Faith and other

> violations don't seem out of the question.

>

> Perhaps the prevailing lawyers from the Tobacco settlements are

> looking for the next big thing?

>

> Lee

>

>

>

>>

>> To anyone interested,

>>

>> I am looking for anyone in central Florida who feels they have gotten

>> the run-around by insurance adjusters.

>>

>> I have recently been working in central Florida in the hurricane

>> ravaged areas. I have tested homes and found unacceptable moisture

>> content levels (0.7 Aw or higher) in gypsum board above the 4 foot

>> line. We have been told by every State Farm insurance adjuster they

>> will only cover 4 feet of wallboard removal - even though the water

>> sat in the house for several days to a week.

>>

>> One adjuster claimed FEMA mandated the 4 foot level for coverage

>> under the National Flood Insurance Program (NFIP). We have made

>> calls to FEMA and found this to be a complete fabrication. A State

>> Farm adjuster even admitted this fact to several witnesses when we

>> put them on the spot at a later date.

>>

>> State Farm adjusters are saying their is no coverage for mold even

>> though FEMA's website says otherwise. The truly sad part is the

>> knowledge gained from North Carolina after they were hit by 2

>> hurricanes in one year is public knowledge. One of my partners is a

>> former independent adjuster. He indicates the adjusters of today are

>> poorly trained and told the canned response when they are dealing

>> with a catastrophic event like a hurricane. From what I've seen, he

>> is right on mark. They can't even read a simple document for the

>> amount of coverage for additional living expenses (ALE).

>>

>> What the homeowners don't know is the part that is a kick in the

>> pants:

>>

>> If an adjuster lowballs the cost to fix covered damages, the

>> structure will not be done right. If the structure is not done

>> right, you can't sell the property. You will now have an economic

>> loss since you will be forced to sell at a lower price or no sell at

>> all.

>>

>> You might buy one of these home and find it moldy. Your insurance

>> will not cover any pre-existing problems while you go belly-up.

>>

>> More than one resident in Port Orange FL have publicly complained at

>> a town hall meeting about the behavior or State Farm and Allstate.

>> The mayor has told the residents to go after them for bad faith if

>> they are lowballing the jobs. The mayor is a general contractor and

>> understands the dilemma.

>>

>> Even worse, there are firms who are engaging in remediation according

>> to their own scope of work. These firms do not have professional

>> insurance. Usually CGL policies do not cover professional acts.

>> This means a homeowner has no one to pursue if the job is botched and

>> the house left moldy. I find it ironic an insurance company like

>> State Farm allows contractors to engage in activities that put the

>> policy holders in economic and/or financial risk due to insurance

>> coverage issues.

>>

>> Regards,

>>

>> Greg Weatherman

>> aerobioLogical Solutions Inc.

>> Arlington VA 22202

>>

>> gw@a...

>

>

>

>

>

>

> FAIR USE NOTICE:

>

> This site contains copyrighted material the use of which has not

> always been specifically authorized by the copyright owner. We are

> making such material available in our efforts to advance understanding

> of environmental, political, human rights, economic, democracy,

> scientific, and social justice issues, etc. We believe this

> constitutes a 'fair use' of any such copyrighted material as provided

> for in section 107 of the US Copyright Law. In accordance with Title

> 17 U.S.C. Section 107, the material on this site is distributed

> without profit to those who have expressed a prior interest in

> receiving the included information for research and educational

> purposes. For more information go to:

> http://www.law.cornell.edu/uscode/17/107.shtml. If you wish to use

> copyrighted material from this site for purposes of your own that go

> beyond 'fair use', you must obtain permission from the copyright

> owner.

>

[Guest guest]

Agreed. I've often thought that wide sweeping change in the

insurance industry might be fostered by an approach similar to what

you suggest.

Although I've successfully settled my mold litigation against the

sellers of my home (who were represented by State Farm paid

attorneys), I also lived through getting my home repaired prior to

filing litigation with my Homeowners insurance company who was...you

guessed it, State Farm. So, in my case, they were staddling both

sides of the fence.

Who is up for finding some attorneys? God only knows Brockovich

might ba able to help -- and she's personally affected.

" I think it's such an irony -- the very reason I did Hinckley

(Calif.) is (because) people were sick, people I believed in, people

who had been lied to, people who had lost their health and their

home . . . and the same thing is happening to me, " Brockovich said,

in an uncharacteristically soft voice.

--- In , " moldincolo " <jonathan1@a...>

wrote:

>

> Group --

>

> I have been thinking lately that class action against the broader

> insurance industry would have a valid base. Bad Faith and other

> violations don't seem out of the question.

>

> Perhaps the prevailing lawyers from the Tobacco settlements are

> looking for the next big thing?

>

> Lee

>

>

> --- In , " Greg Weatherman " <gw@a...>

wrote:

> >

> > To anyone interested,

> >

> > I am looking for anyone in central Florida who feels they have

gotten

> > the run-around by insurance adjusters.

> >

> > I have recently been working in central Florida in the hurricane

> > ravaged areas. I have tested homes and found unacceptable

moisture

> > content levels (0.7 Aw or higher) in gypsum board above the 4

foot

> > line. We have been told by every State Farm insurance adjuster

they

> > will only cover 4 feet of wallboard removal - even though the

water

> > sat in the house for several days to a week.

> >

> > One adjuster claimed FEMA mandated the 4 foot level for coverage

> > under the National Flood Insurance Program (NFIP). We have made

> > calls to FEMA and found this to be a complete fabrication. A

State

> > Farm adjuster even admitted this fact to several witnesses when

we

> > put them on the spot at a later date.

> >

> > State Farm adjusters are saying their is no coverage for mold

even

> > though FEMA's website says otherwise. The truly sad part is the

> > knowledge gained from North Carolina after they were hit by 2

> > hurricanes in one year is public knowledge. One of my partners

is a

> > former independent adjuster. He indicates the adjusters of today

are

> > poorly trained and told the canned response when they are dealing

> > with a catastrophic event like a hurricane. From what I've seen,

he

> > is right on mark. They can't even read a simple document for the

> > amount of coverage for additional living expenses (ALE).

> >

> > What the homeowners don't know is the part that is a kick in the

> > pants:

> >

> > If an adjuster lowballs the cost to fix covered damages, the

> > structure will not be done right. If the structure is not done

> > right, you can't sell the property. You will now have an

economic

> > loss since you will be forced to sell at a lower price or no sell

at

> > all.

> >

> > You might buy one of these home and find it moldy. Your

insurance

> > will not cover any pre-existing problems while you go belly-up.

> >

> > More than one resident in Port Orange FL have publicly complained

at

> > a town hall meeting about the behavior or State Farm and

Allstate.

> > The mayor has told the residents to go after them for bad faith

if

> > they are lowballing the jobs. The mayor is a general contractor

and

> > understands the dilemma.

> >

> > Even worse, there are firms who are engaging in remediation

according

> > to their own scope of work. These firms do not have professional

> > insurance. Usually CGL policies do not cover professional acts.

> > This means a homeowner has no one to pursue if the job is botched

and

> > the house left moldy. I find it ironic an insurance company like

> > State Farm allows contractors to engage in activities that put

the

> > policy holders in economic and/or financial risk due to insurance

> > coverage issues.

> >

> > Regards,

> >

> > Greg Weatherman

> > aerobioLogical Solutions Inc.

> > Arlington VA 22202

> >

> > gw@a...

[Guest guest]

Agreed. I've often thought that wide sweeping change in the

insurance industry might be fostered by an approach similar to what

you suggest.

Although I've successfully settled my mold litigation against the

sellers of my home (who were represented by State Farm paid

attorneys), I also lived through getting my home repaired prior to

filing litigation with my Homeowners insurance company who was...you

guessed it, State Farm. So, in my case, they were staddling both

sides of the fence.

Who is up for finding some attorneys? God only knows Brockovich

might ba able to help -- and she's personally affected.

" I think it's such an irony -- the very reason I did Hinckley

(Calif.) is (because) people were sick, people I believed in, people

who had been lied to, people who had lost their health and their

home . . . and the same thing is happening to me, " Brockovich said,

in an uncharacteristically soft voice.

--- In , " moldincolo " <jonathan1@a...>

wrote:

>

> Group --

>

> I have been thinking lately that class action against the broader

> insurance industry would have a valid base. Bad Faith and other

> violations don't seem out of the question.

>

> Perhaps the prevailing lawyers from the Tobacco settlements are

> looking for the next big thing?

>

> Lee

>

>

> --- In , " Greg Weatherman " <gw@a...>

wrote:

> >

> > To anyone interested,

> >

> > I am looking for anyone in central Florida who feels they have

gotten

> > the run-around by insurance adjusters.

> >

> > I have recently been working in central Florida in the hurricane

> > ravaged areas. I have tested homes and found unacceptable

moisture

> > content levels (0.7 Aw or higher) in gypsum board above the 4

foot

> > line. We have been told by every State Farm insurance adjuster

they

> > will only cover 4 feet of wallboard removal - even though the

water

> > sat in the house for several days to a week.

> >

> > One adjuster claimed FEMA mandated the 4 foot level for coverage

> > under the National Flood Insurance Program (NFIP). We have made

> > calls to FEMA and found this to be a complete fabrication. A

State

> > Farm adjuster even admitted this fact to several witnesses when

we

> > put them on the spot at a later date.

> >

> > State Farm adjusters are saying their is no coverage for mold

even

> > though FEMA's website says otherwise. The truly sad part is the

> > knowledge gained from North Carolina after they were hit by 2

> > hurricanes in one year is public knowledge. One of my partners

is a

> > former independent adjuster. He indicates the adjusters of today

are

> > poorly trained and told the canned response when they are dealing

> > with a catastrophic event like a hurricane. From what I've seen,

he

> > is right on mark. They can't even read a simple document for the

> > amount of coverage for additional living expenses (ALE).

> >

> > What the homeowners don't know is the part that is a kick in the

> > pants:

> >

> > If an adjuster lowballs the cost to fix covered damages, the

> > structure will not be done right. If the structure is not done

> > right, you can't sell the property. You will now have an

economic

> > loss since you will be forced to sell at a lower price or no sell

at

> > all.

> >

> > You might buy one of these home and find it moldy. Your

insurance

> > will not cover any pre-existing problems while you go belly-up.

> >

> > More than one resident in Port Orange FL have publicly complained

at

> > a town hall meeting about the behavior or State Farm and

Allstate.

> > The mayor has told the residents to go after them for bad faith

if

> > they are lowballing the jobs. The mayor is a general contractor

and

> > understands the dilemma.

> >

> > Even worse, there are firms who are engaging in remediation

according

> > to their own scope of work. These firms do not have professional

> > insurance. Usually CGL policies do not cover professional acts.

> > This means a homeowner has no one to pursue if the job is botched

and

> > the house left moldy. I find it ironic an insurance company like

> > State Farm allows contractors to engage in activities that put

the

> > policy holders in economic and/or financial risk due to insurance

> > coverage issues.

> >

> > Regards,

> >

> > Greg Weatherman

> > aerobioLogical Solutions Inc.

> > Arlington VA 22202

> >

> > gw@a...