Re: More on mold and the coverup by insurance

[Guest guest]

go to _www.policyholdersofamerica.com_

(http://www.policyholdersofamerica.com) or org (can't recall)

they have help for people in that situation

[Guest guest]

go to _www.policyholdersofamerica.com_

(http://www.policyholdersofamerica.com) or org (can't recall)

they have help for people in that situation

[Guest guest]

No, Judy, there are no morals or ethics when it comes to insurers and

underwriters. They are worse than whores because they take your money

and don't want to give what you've paid for all these years. One claim

and you're out. No 3 strikes anymore. The reason that they aren't

regulated is because they ARE the regulators: the big bankers. If

everyone cancelled their policies for just one year, perhaps they'd

change. The ONLY way to hit them is where it hurts - in the

pocketbook. It would take a nationwide effort to do this and the

majority of the population just won't take the chance. This is a

country of apathetic comfortable creatures who have no mercy for

others until they're put in the same situation. Well, that's

happening, but not fast enough.

Barth

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

---

J> I recently sold my condo in Middletown after battling the insurance

J> company and condo association for two years, due to extensive rot,

J> water damage, and toxic mold in my unit.    I could no longer afford

J> the rental prices on the island, so I have relocated to Florida.  I

J> have since learned that I will never get homeowner's  or renter's

J> insurance again, due to my claims of water damage which were never

J> paid.    I discovered extensive toxic mold hidden in the wall cavities

J> of my condo at Whitehall Farm in Nov. 2002, which was blamed on me by

J> the condo association.  They did, however, have the condo members vote

J> to have their own monthly fees of $200 waived, in return for all the

J> hard work they do while serving on the board.   Now, almost two years

J> later, I am still in litigation over this matter.  What concerns me the

J> most is that I have learned that there are almost no laws available to

J> protect the public from the misconduct of condo boards and insurance

J> companies.  Even though I had a 1-inch thick document of condo by-laws,

J> they were meaningless.  Even though I have over 100 color photos of the

J> mold and rot, the insurance company has the right to wear me down and

J> let this drag on forever.   Providence Washington insurance canceled me

J> before my house sold because of legitimate water claims.  For some

J> reason, I am to blame for the rot and water in my wall cavities. 

J> Obviously when one buys a condo, one expects to have exterior repairs

J> made when needed, instead of having to hire an attorney to protect your

J> health and financial assets and have it drag on for years.  I

J> ultimately had the condo repaired with my own funds, and it tested free

J> of the mold after my extensive re-mediation, having to rebuild almost

J> two stories of exterior and conducting expensive and ongoing mold

J> tests.    Also of concern is who or what protects consumers in

J> situations like this with toxic mold?  As a tenant, I would have had

J> more rights than a condo owner.  Isn't there a moral responsibility of

J> warning other people living in the same area, that there could also be

J> mold and rot in their wall cavities too, and their health and financial

J> investments could be also be ravaged?  Maybe morals just don't matter

J> anymore.

J> Judith Berry

J> Sarasota, FL

J> FAIR USE NOTICE:

J> 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

J> 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

J> 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

J> 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

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

you must obtain permission from the copyright owner.

J>

[Guest guest]

No, Judy, there are no morals or ethics when it comes to insurers and

underwriters. They are worse than whores because they take your money

and don't want to give what you've paid for all these years. One claim

and you're out. No 3 strikes anymore. The reason that they aren't

regulated is because they ARE the regulators: the big bankers. If

everyone cancelled their policies for just one year, perhaps they'd

change. The ONLY way to hit them is where it hurts - in the

pocketbook. It would take a nationwide effort to do this and the

majority of the population just won't take the chance. This is a

country of apathetic comfortable creatures who have no mercy for

others until they're put in the same situation. Well, that's

happening, but not fast enough.

Barth

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

---

J> I recently sold my condo in Middletown after battling the insurance

J> company and condo association for two years, due to extensive rot,

J> water damage, and toxic mold in my unit.    I could no longer afford

J> the rental prices on the island, so I have relocated to Florida.  I

J> have since learned that I will never get homeowner's  or renter's

J> insurance again, due to my claims of water damage which were never

J> paid.    I discovered extensive toxic mold hidden in the wall cavities

J> of my condo at Whitehall Farm in Nov. 2002, which was blamed on me by

J> the condo association.  They did, however, have the condo members vote

J> to have their own monthly fees of $200 waived, in return for all the

J> hard work they do while serving on the board.   Now, almost two years

J> later, I am still in litigation over this matter.  What concerns me the

J> most is that I have learned that there are almost no laws available to

J> protect the public from the misconduct of condo boards and insurance

J> companies.  Even though I had a 1-inch thick document of condo by-laws,

J> they were meaningless.  Even though I have over 100 color photos of the

J> mold and rot, the insurance company has the right to wear me down and

J> let this drag on forever.   Providence Washington insurance canceled me

J> before my house sold because of legitimate water claims.  For some

J> reason, I am to blame for the rot and water in my wall cavities. 

J> Obviously when one buys a condo, one expects to have exterior repairs

J> made when needed, instead of having to hire an attorney to protect your

J> health and financial assets and have it drag on for years.  I

J> ultimately had the condo repaired with my own funds, and it tested free

J> of the mold after my extensive re-mediation, having to rebuild almost

J> two stories of exterior and conducting expensive and ongoing mold

J> tests.    Also of concern is who or what protects consumers in

J> situations like this with toxic mold?  As a tenant, I would have had

J> more rights than a condo owner.  Isn't there a moral responsibility of

J> warning other people living in the same area, that there could also be

J> mold and rot in their wall cavities too, and their health and financial

J> investments could be also be ravaged?  Maybe morals just don't matter

J> anymore.

J> Judith Berry

J> Sarasota, FL

J> FAIR USE NOTICE:

J> 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

J> 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

J> 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

J> 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

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

you must obtain permission from the copyright owner.

J>

[Guest guest]

Hi ,

Well, you have explained very well what has taken me years to learn. It didn't

help to have a late father who was an executive at BCBS, and was actually

honorable and ethical. I thought all insurance companies were that way!!! I

have always been a person who has " done the right thing " so to speak. Got my

education, paid my bills, bought insurance, blah, blah. I even have excellent

credit and that doesn't even matter because I dared to file a claim. Even

though I wasn't forced to file those water claims, I had actually thought it

would help the documentation in my legal case, in that I had explored all

avenues and documented the damage. Since I haven't filed a claim for years, I

had no clue that I would be forever blackballed and put in what they call the

CLUE database, for them to keep records on those that dare to file claims. You

are exactly right - they are the regulators. They are just getting away with

larceny today, and nobody is stopping them. Politicians are bought off by them,

and dare not challenge them. The little guys are screwed against their armies

of lawyers and piles of money that they have from screwing people. What can the

little people do against these giants? I guess I can get into a state-run

insurance pool, but I have heard they are no good and only protect against fire.

Well, I have no insurance and have to deal with 3 hurricanes here in the last

few months. But, even if I had insurance, and was flooded out by an act of god,

that wouldn't be covered anyway....because they don't cover rising waters unless

you have flood insurance, they don't cover rot, now they don't cover mold. I

have a sprinker system in my apt. and a security monitor, so why even bother to

pay those criminals.

> No, Judy, there are no morals or ethics when it comes to insurers and

> underwriters. They are worse than whores because they take your money

> and don't want to give what you've paid for all these years. One claim

> and you're out. No 3 strikes anymore. The reason that they aren't

> regulated is because they ARE the regulators: the big bankers. If

> everyone cancelled their policies for just one year, perhaps they'd

> change. The ONLY way to hit them is where it hurts - in the

> pocketbook. It would take a nationwide effort to do this and the

> majority of the population just won't take the chance. This is a

> country of apathetic comfortable creatures who have no mercy for

> others until they're put in the same situation. Well, that's

> happening, but not fast enough.

>

> Barth

>

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

>

> ---

>

> J> I recently sold my condo in Middletown after battling the insurance

> J> company and condo association for two years, due to extensive rot,

> J> water damage, and toxic mold in my unit.    I could no longer afford

> J> the rental prices on the island, so I have relocated to Florida.  I

> J> have since learned that I will never get homeowner's  or renter's

> J> insurance again, due to my claims of water damage which were never

> J> paid.    I discovered extensive toxic mold hidden in the wall cavities

> J> of my condo at Whitehall Farm in Nov. 2002, which was blamed on me by

> J> the condo association.  They did, however, have the condo members vote

> J> to have their own monthly fees of $200 waived, in return for all the

> J> hard work they do while serving on the board.   Now, almost two years

> J> later, I am still in litigation over this matter.  What concerns me the

> J> most is that I have learned that there are almost no laws available to

> J> protect the public from the misconduct of condo boards and insurance

> J> companies.  Even though I had a 1-inch thick document of condo by-laws,

> J> they were meaningless.  Even though I have over 100 color photos of the

> J> mold and rot, the insurance company has the right to wear me down and

> J> let this drag on forever.   Providence Washington insurance canceled me

> J> before my house sold because of legitimate water claims.  For some

> J> reason, I am to blame for the rot and water in my wall cavities. 

> J> Obviously when one buys a condo, one expects to have exterior repairs

> J> made when needed, instead of having to hire an attorney to protect your

> J> health and financial assets and have it drag on for years.  I

> J> ultimately had the condo repaired with my own funds, and it tested free

> J> of the mold after my extensive re-mediation, having to rebuild almost

> J> two stories of exterior and conducting expensive and ongoing mold

> J> tests.    Also of concern is who or what protects consumers in

> J> situations like this with toxic mold?  As a tenant, I would have had

> J> more rights than a condo owner.  Isn't there a moral responsibility of

> J> warning other people living in the same area, that there could also be

> J> mold and rot in their wall cavities too, and their health and financial

> J> investments could be also be ravaged?  Maybe morals just don't matter

> J> anymore.

>

> J> Judith Berry

> J> Sarasota, FL

>

>

>

>

> J> FAIR USE NOTICE:

>

> J> 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

> J> 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

> J> 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

> J> 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

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

> you must obtain permission from the copyright owner.

>

>

> J>

[Guest guest]

Hi ,

Well, you have explained very well what has taken me years to learn. It didn't

help to have a late father who was an executive at BCBS, and was actually

honorable and ethical. I thought all insurance companies were that way!!! I

have always been a person who has " done the right thing " so to speak. Got my

education, paid my bills, bought insurance, blah, blah. I even have excellent

credit and that doesn't even matter because I dared to file a claim. Even

though I wasn't forced to file those water claims, I had actually thought it

would help the documentation in my legal case, in that I had explored all

avenues and documented the damage. Since I haven't filed a claim for years, I

had no clue that I would be forever blackballed and put in what they call the

CLUE database, for them to keep records on those that dare to file claims. You

are exactly right - they are the regulators. They are just getting away with

larceny today, and nobody is stopping them. Politicians are bought off by them,

and dare not challenge them. The little guys are screwed against their armies

of lawyers and piles of money that they have from screwing people. What can the

little people do against these giants? I guess I can get into a state-run

insurance pool, but I have heard they are no good and only protect against fire.

Well, I have no insurance and have to deal with 3 hurricanes here in the last

few months. But, even if I had insurance, and was flooded out by an act of god,

that wouldn't be covered anyway....because they don't cover rising waters unless

you have flood insurance, they don't cover rot, now they don't cover mold. I

have a sprinker system in my apt. and a security monitor, so why even bother to

pay those criminals.

> No, Judy, there are no morals or ethics when it comes to insurers and

> underwriters. They are worse than whores because they take your money

> and don't want to give what you've paid for all these years. One claim

> and you're out. No 3 strikes anymore. The reason that they aren't

> regulated is because they ARE the regulators: the big bankers. If

> everyone cancelled their policies for just one year, perhaps they'd

> change. The ONLY way to hit them is where it hurts - in the

> pocketbook. It would take a nationwide effort to do this and the

> majority of the population just won't take the chance. This is a

> country of apathetic comfortable creatures who have no mercy for

> others until they're put in the same situation. Well, that's

> happening, but not fast enough.

>

> Barth

>

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

>

> ---

>

> J> I recently sold my condo in Middletown after battling the insurance

> J> company and condo association for two years, due to extensive rot,

> J> water damage, and toxic mold in my unit.    I could no longer afford

> J> the rental prices on the island, so I have relocated to Florida.  I

> J> have since learned that I will never get homeowner's  or renter's

> J> insurance again, due to my claims of water damage which were never

> J> paid.    I discovered extensive toxic mold hidden in the wall cavities

> J> of my condo at Whitehall Farm in Nov. 2002, which was blamed on me by

> J> the condo association.  They did, however, have the condo members vote

> J> to have their own monthly fees of $200 waived, in return for all the

> J> hard work they do while serving on the board.   Now, almost two years

> J> later, I am still in litigation over this matter.  What concerns me the

> J> most is that I have learned that there are almost no laws available to

> J> protect the public from the misconduct of condo boards and insurance

> J> companies.  Even though I had a 1-inch thick document of condo by-laws,

> J> they were meaningless.  Even though I have over 100 color photos of the

> J> mold and rot, the insurance company has the right to wear me down and

> J> let this drag on forever.   Providence Washington insurance canceled me

> J> before my house sold because of legitimate water claims.  For some

> J> reason, I am to blame for the rot and water in my wall cavities. 

> J> Obviously when one buys a condo, one expects to have exterior repairs

> J> made when needed, instead of having to hire an attorney to protect your

> J> health and financial assets and have it drag on for years.  I

> J> ultimately had the condo repaired with my own funds, and it tested free

> J> of the mold after my extensive re-mediation, having to rebuild almost

> J> two stories of exterior and conducting expensive and ongoing mold

> J> tests.    Also of concern is who or what protects consumers in

> J> situations like this with toxic mold?  As a tenant, I would have had

> J> more rights than a condo owner.  Isn't there a moral responsibility of

> J> warning other people living in the same area, that there could also be

> J> mold and rot in their wall cavities too, and their health and financial

> J> investments could be also be ravaged?  Maybe morals just don't matter

> J> anymore.

>

> J> Judith Berry

> J> Sarasota, FL

>

>

>

>

> J> FAIR USE NOTICE:

>

> J> 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

> J> 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

> J> 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

> J> 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

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

> you must obtain permission from the copyright owner.

>

>

> J>