The Insurance Game ... Any suggestions?

[Guest guest]

We've never had to file a claim with our insurance company before ... until now,

with our renters insurance policy. It's with Allstate, and as far as I can

tell, they cover mold contamination.

We called them about a week and a half ago ... we filed a claim and have been

shuffled around from adjustor to adjustor ... people call us almost daily to

" get the details " and let us know that we're being assigned to an adjustor

" closer to home " .

Does anyone know ... Is this common practice? Any advice is greatly

appreciated.

---------------------------------

Start your day with - make it your home page

[Guest guest]

Call 486-3000 it's the local number to get to offices up in cartoon oops,

Carson City LOL Instead of calling up there you call locally and they put

you thru. Why pay when its free LOL

As for the insurance division and tellt hem what is goingon, they moght be

able to get it worked out.

On Sat, 20 Aug 2005, Laurie wrote:

> Date: Sat, 20 Aug 2005 23:37:19 -0700 (PDT)

> From: Laurie <micahandtaylorsmom@...>

> Reply-

>

> Subject: [] The Insurance Game ... Any suggestions?

>

> We've never had to file a claim with our insurance company before ... until

now, with our renters insurance policy. It's with Allstate, and as far as I can

tell, they cover mold contamination.

>

> We called them about a week and a half ago ... we filed a claim and have been

shuffled around from adjustor to adjustor ... people call us almost daily to

" get the details " and let us know that we're being assigned to an adjustor

" closer to home " .

>

> Does anyone know ... Is this common practice? Any advice is greatly

appreciated.

>

>

> ---------------------------------

> Start your day with - make it your home page

>

>

[Guest guest]

I have Allstate and they are getting ready to deny my claim.

They are making noise that this is not a " sudden unforseen catastrophic "

event like an Earthquake but an " ongoing, predating " problem that I should

have been aware of. My attorney is preparing a fight.

Angelika

Re: [] The Insurance Game ... Any suggestions?

> They are probably trying to size everything up before

> sending someone out, because it is so complicated.

> Get ready for them now to cancel your insurance

> coverage, which is what happened to me when I filed a

> claim.

>

> --- Laurie <micahandtaylorsmom@...> wrote:

>

> > We've never had to file a claim with our insurance

> > company before ... until now, with our renters

> > insurance policy. It's with Allstate, and as far as

> > I can tell, they cover mold contamination.

> >

> > We called them about a week and a half ago ... we

> > filed a claim and have been shuffled around from

> > adjustor to adjustor ... people call us almost daily

> > to " get the details " and let us know that we're

> > being assigned to an adjustor " closer to home " .

> >

> > Does anyone know ... Is this common practice? Any

> > advice is greatly appreciated.

> >

> >

> > ---------------------------------

> > Start your day with - make it your home page

> >

> >

> > [Non-text portions of this message have been

> > removed]

> >

> >

>

>

> __________________________________________________

>

[Guest guest]

If there is a requirement that a covered loss must be " sudden and unforeseen " it

is usually located in the last section of a policy known as " General Conditions "

or " Standard Conditions " . I don't believe the word " catastrophic " is used in

the policy.

================================================

Re: [] The Insurance Game ... Any suggestions?

> They are probably trying to size everything up before

> sending someone out, because it is so complicated.

> Get ready for them now to cancel your insurance

> coverage, which is what happened to me when I filed a

> claim.

>

> --- Laurie <micahandtaylorsmom@...> wrote:

>

> > We've never had to file a claim with our insurance

> > company before ... until now, with our renters

> > insurance policy. It's with Allstate, and as far as

> > I can tell, they cover mold contamination.

> >

> > We called them about a week and a half ago ... we

> > filed a claim and have been shuffled around from

> > adjustor to adjustor ... people call us almost daily

> > to " get the details " and let us know that we're

> > being assigned to an adjustor " closer to home " .

> >

> > Does anyone know ... Is this common practice? Any

> > advice is greatly appreciated.

> >

> >

> > ---------------------------------

> > Start your day with - make it your home page

> >

> >

> > [Non-text portions of this message have been

> > removed]

> >

> >

>

>

> __________________________________________________

>

[Guest guest]

My Dear Mold Survivor,

It is with deep regret that I don't have any help for you, but I can tell you

what to expect.

4 years ago this past April we moved from our mold infested house following the

orders of our Doctors, our Attorney and of course the scientist who did the mold

testing.

I will not mention our insurance company because we are in litigation. However,

we are suing our insurance company, the people we bought the house from, the

real estate company, the realtor, and the insurance company who had insurance on

the house for the people we bought it from. Notice in the beginning of this

note I mentioned that was 4 years ago. We still have not been to court. We

still don't have a home. We still don't have any personal posessions to speak

of.

You see when this sort of catastrophe happens, there is no safety net. Nobody

understands and further no one cares, save the ones of us who have endured the

scoffs and laughs of the insurance companies, builders, realtors and former

owners.

So my advise to you, is start finding somewhere to go, and get ready for a long

haul. We have what I believe is a very good attorney, and in the beginning I

thought this would't take long, however, I was wrong.

I wish you and your family luck and good health and may we all live to see the

light at the end of the tunnel.

In this together

Jane

moldhelp@... wrote:

I have Allstate and they are getting ready to deny my claim.

They are making noise that this is not a " sudden unforseen catastrophic "

event like an Earthquake but an " ongoing, predating " problem that I should

have been aware of. My attorney is preparing a fight.

Angelika

Re: [] The Insurance Game ... Any suggestions?

> They are probably trying to size everything up before

> sending someone out, because it is so complicated.

> Get ready for them now to cancel your insurance

> coverage, which is what happened to me when I filed a

> claim.

>

> --- Laurie <micahandtaylorsmom@...> wrote:

>

> > We've never had to file a claim with our insurance

> > company before ... until now, with our renters

> > insurance policy. It's with Allstate, and as far as

> > I can tell, they cover mold contamination.

> >

> > We called them about a week and a half ago ... we

> > filed a claim and have been shuffled around from

> > adjustor to adjustor ... people call us almost daily

> > to " get the details " and let us know that we're

> > being assigned to an adjustor " closer to home " .

> >

> > Does anyone know ... Is this common practice? Any

> > advice is greatly appreciated.

> >

> >

> > ---------------------------------

> > Start your day with - make it your home page

> >

> >

> > [Non-text portions of this message have been

> > removed]

> >

> >

>

>

> __________________________________________________

>

[Guest guest]

Yes, this is a very sorry state of affairs for mold

victims. I agree with what you said, my case is going

on 3 years now. I would still be there if I hadn't

paid for the repairs and sold the place.

It is a very long and difficult road.

Judi

--- Jane <miffyj2002@...> wrote:

> My Dear Mold Survivor,

>

> It is with deep regret that I don't have any help

> for you, but I can tell you what to expect.

> 4 years ago this past April we moved from our mold

> infested house following the orders of our Doctors,

> our Attorney and of course the scientist who did the

> mold testing.

>

> I will not mention our insurance company because we

> are in litigation. However, we are suing our

> insurance company, the people we bought the house

> from, the real estate company, the realtor, and the

> insurance company who had insurance on the house for

> the people we bought it from. Notice in the

> beginning of this note I mentioned that was 4 years

> ago. We still have not been to court. We still

> don't have a home. We still don't have any personal

> posessions to speak of.

>

> You see when this sort of catastrophe happens, there

> is no safety net. Nobody understands and further no

> one cares, save the ones of us who have endured the

> scoffs and laughs of the insurance companies,

> builders, realtors and former owners.

>

> So my advise to you, is start finding somewhere to

> go, and get ready for a long haul. We have what I

> believe is a very good attorney, and in the

> beginning I thought this would't take long, however,

> I was wrong.

>

> I wish you and your family luck and good health and

> may we all live to see the light at the end of the

> tunnel.

>

> In this together

> Jane

>

> moldhelp@... wrote:

> I have Allstate and they are getting ready to deny

> my claim.

> They are making noise that this is not a " sudden

> unforseen catastrophic "

> event like an Earthquake but an " ongoing, predating "

> problem that I should

> have been aware of. My attorney is preparing a

> fight.

>

> Angelika

>

>

> Re: [] The Insurance Game ...

> Any suggestions?

>

>

> > They are probably trying to size everything up

> before

> > sending someone out, because it is so complicated.

> > Get ready for them now to cancel your insurance

> > coverage, which is what happened to me when I

> filed a

> > claim.

> >

> > --- Laurie <micahandtaylorsmom@...> wrote:

> >

> > > We've never had to file a claim with our

> insurance

> > > company before ... until now, with our renters

> > > insurance policy. It's with Allstate, and as

> far as

> > > I can tell, they cover mold contamination.

> > >

> > > We called them about a week and a half ago ...

> we

> > > filed a claim and have been shuffled around from

> > > adjustor to adjustor ... people call us almost

> daily

> > > to " get the details " and let us know that we're

> > > being assigned to an adjustor " closer to home " .

> > >

> > > Does anyone know ... Is this common practice?

> Any

> > > advice is greatly appreciated.

> > >

> > >

> > > ---------------------------------

> > > Start your day with - make it your home

> page

> > >

> > >

> > > [Non-text portions of this message have been

> > > removed]

> > >

> > >

> >

> >

> > __________________________________________________

> >