Re: Insurance Companies and Mold Exclusions

[Guest guest]

They are just criminals is all in suits whatever,,I had mold coverage and I am

here !!

 

  

God Bless !!

dragonflymcs

Mayleen

________________________________

From: Advocate_Now <advocate_now@...>

" " < >

Sent: Tue, October 26, 2010 7:04:18 PM

Subject: [] Insurance Companies and Mold Exclusions

 

Yes, most insurance companies exclude mold coverage--whether for individuals

businesses, or HOAs, it doesn't matter.

Quote: " To avoid these liability problems, nearly all insurance companies have

now specifically excluded mold coverage. "

Source: http://www.abanet.org/rpte/katrina/book-two.pdf

Sent from my iPhone

[Guest guest]

Were you able to make a claim against insurance? Who insured you?

Sent from my iPhone

On Oct 26, 2010, at 6:18 PM, dragonflymcs <dragonflymcs@...> wrote:

They are just criminals is all in suits whatever,,I had mold coverage and I am

here !!

God Bless !!

dragonflymcs

Mayleen

________________________________

From: Advocate_Now <advocate_now@...>

" " < >

Sent: Tue, October 26, 2010 7:04:18 PM

Subject: [] Insurance Companies and Mold Exclusions

Yes, most insurance companies exclude mold coverage--whether for individuals

businesses, or HOAs, it doesn't matter.

Quote: " To avoid these liability problems, nearly all insurance companies have

now specifically excluded mold coverage. "

Source: http://www.abanet.org/rpte/katrina/book-two.pdf

Sent from my iPhone

[Guest guest]

my policy does not note an exclusion of mold...does that mean it is covered...I

sure hope so after what was discovered today.

>

> Yes, most insurance companies exclude mold coverage--whether for individuals

businesses, or HOAs, it doesn't matter.

>

> Quote: " To avoid these liability problems, nearly all insurance companies have

now specifically excluded mold coverage. "

>

> Source: http://www.abanet.org/rpte/katrina/book-two.pdf

>

> Sent from my iPhone

>

[Guest guest]

It is important to define " mold coverage. " When does the

insurance company say it begins and when does the water

damage - which is covered - stop.

Carl Grimes

Healthy Habitats LLC

-----

Yes, most insurance companies exclude mold coverage--whether for

individuals businesses, or HOAs, it doesn't matter.

Quote: " To avoid these liability problems, nearly all insurance companies

have now specifically excluded mold coverage. "

Source: http://www.abanet.org/rpte/katrina/book-two.pdf

Sent from my iPhone

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[Guest guest]

" Mold coverage " is the standard language insurance companies and attorneys use.

It refers to liability and cleanup, so the distinction between that and cleanup

of water damage isn't subtle. Where water was, that's water damage. Where it

wasn't, there isn't. Obviously terms and interpretations can be contested, which

is what lawsuits do--provide frameworks, precedence, and definitions. The other

issue is the source of the water. If it's through wear and tear on a home,

that's not usually covered. We ran into that bull when our roofs collapsed.

But anyway, many credible sources have many similar things to say about " mold

coverage. " Yes, cases have been brought to court seeking liability against

insurance companies for delaying and dithering with clean up of damage, which

then resulted in mold. But an insurance company's exclusion policy generally

means it won't pay for special remediation or property damaged by mold. So

wallboard that happened to have been damaged by mold will happen to be covered

because it was clearly damaged by water. If a condo unit in a building did not

have water infiltration, but does have a mold problem, and the evidence--types

of mold and levels, as well as, I imagine, evidence of bacteria--points to

contamination from a different part of the building, a common area, where water

did infiltrate, then that unit is out of luck in terms of " mold coverage. " Most

policies would not cover remediation and replacement of items. Insurance to

cover negligence is different,

though. That's not about mold per se. It's about an HOA's (in this case) duty,

fiduciary and otherwise.

Toxic Mold Litigation looks like a good book.

Sent from my iPhone

On Oct 27, 2010, at 4:00 AM, " Carl E. Grimes " <grimes@...> wrote:

It is important to define " mold coverage. " When does the

insurance company say it begins and when does the water

damage - which is covered - stop.

Carl Grimes

Healthy Habitats LLC

-----

Yes, most insurance companies exclude mold coverage--whether for

individuals businesses, or HOAs, it doesn't matter.

Quote: " To avoid these liability problems, nearly all insurance companies

have now specifically excluded mold coverage. "

Source: http://www.abanet.org/rpte/katrina/book-two.pdf

Sent from my iPhone

----------

[Guest guest]

Which book:

http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Daps & field-keywords=Tox\

ic+Mold+Litigation & x=8 & y=19

>

> It is important to define " mold coverage. " When does the

> insurance company say it begins and when does the water

> damage - which is covered - stop.

>

> Carl Grimes

> Healthy Habitats LLC

>

[Guest guest]

To me it does not matter what insurer...........there are just too many bad ones

or when it is their time to pay they file bankruptcy when a large area was

affected.  Either way they are getting away with murder.

 

God Bless !!

dragonflymcs

Mayleen

[Guest guest]

mine is from extensive water damage and delays by insurance company. I am so

sick from spending a few hours there yesterday bedridden again.

does this ever end.

> >

>

[Guest guest]

one of these books is for the defence, cant remember now for sure, talked to the

arthur, what a a##. thinking 2004.

> >

> > It is important to define " mold coverage. " When does the

> > insurance company say it begins and when does the water

> > damage - which is covered - stop.

> >

> > Carl Grimes

> > Healthy Habitats LLC

> >

>

[Guest guest]

writen by a defence lawyer.

>

> Which book:

http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Daps & field-keywords=Tox\

ic+Mold+Litigation & x=8 & y=19

>

[Guest guest]

Same problem here.  They are just criminals period. For some their are endings

for others none, but CIRS-WDB illness will alawys

be.................................It is the politicians who need to stop giving

them a way out of their obligations and duties to policy holders.  That is the

problem.   Accountability.  

 

God Bless !!

dragonflymcs

Mayleen

________________________________

From: idsrvt_2 <mich2604@...>

Sent: Wed, October 27, 2010 1:20:20 PM

Subject: [] Re: Insurance Companies and Mold Exclusions

 

mine is from extensive water damage and delays by insurance company. I am so

sick from spending a few hours there yesterday bedridden again.

does this ever end.

> >

>

[Guest guest]

Sorry to hear it. Until next week, I'm living in it to. Can I ask what your

insurance company is paying for? My interest in all this is I am going to be

attempting a claim soon (based on negligence, though, not based on mold per se).

Sent from my iPhone

On Oct 27, 2010, at 12:20 PM, " idsrvt_2 " <mich2604@...> wrote:

mine is from extensive water damage and delays by insurance company. I am so

sick from spending a few hours there yesterday bedridden again.

does this ever end.

> >

>

[Guest guest]

Too true, Mayleen. I just thought that if you made a successful claim, it might

help the rest of us understand which insureres are left (the few that are) that

don't have such exclusions.

Sent from my iPhone

On Oct 27, 2010, at 11:14 AM, dragonflymcs <dragonflymcs@...> wrote:

To me it does not matter what insurer...........there are just too many bad ones

or when it is their time to pay they file bankruptcy when a large area was

affected. Either way they are getting away with murder.

God Bless !!

dragonflymcs

Mayleen

[Guest guest]

http://www.amazon.com/Toxic-Mold-Litigation-Raymund-King/dp/1590312295/ref=sr_1_\

1?ie=UTF8 & s=books & qid=1288204895 & sr=8-1

Sorry, Barb, I meant the one linked to above. Looks to have a terrific overview,

with chapters on insurance.

Sent from my iPhone

On Oct 27, 2010, at 10:29 AM, " barb b w " <barb1283@...> wrote:

Which book:

http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Daps & field-keywords=Tox\

ic+Mold+Litigation & x=8 & y=19

>

Toxic Mold Litigation looks like a good book.

>

>

[Guest guest]

It is all just as hard.  I paid on my home for 15 years, I coukd have saved

that

money and done it myself. I would be better off today.   They are criminals,

crooks, beasts wil no morales, scrupels and no one to enforce them.  They just

keep getting away with muder...................when will it end??  I do not

know.  But the medicaid system and the medicare system, SS are all being

affected by it.  As we are becoming disabled we fall into these when we could

have still been working and been productive.  We were forced into these systems

threw no fault of our own.  There is going to be a horrible wake-up call soon

,

very soon.

 

God Bless !!

dragonflymcs

Mayleen

________________________________

From: Advocate_Now <advocate_now@...>

" " < >

Sent: Wed, October 27, 2010 2:41:22 PM

Subject: Re: [] Insurance Companies and Mold Exclusions

 

Too true, Mayleen. I just thought that if you made a successful claim, it might

help the rest of us understand which insureres are left (the few that are) that

don't have such exclusions.

Sent from my iPhone

[Guest guest]

Aside from the general issues in the books (excellent

suggestions, BTW) much will depend on the specific provisions

of your specific policy. Look for not only what is covered but what

is excluded and under what circumstances. What they often

giveth they frequently taketh away. Tricky wording!

If they say something isn't covered ask them to mark with a

highlighter the specific language in the policy which substantiates

their statement. What they believe - and what they want you to

believe - sometimes isn't really in the policy. Make them

substantiate in writing!

Again, distinguish between the costs for the water damage which

is covered and those costs requiring something extra to handle

the mold. Frequently not much more, as Connie pointed out

previously, according to ANSI-IICRC S500 and S520.

Carl Grimes

Healthy Habitats LLC

-----

Too true, Mayleen. I just thought that if you made a successful claim, it

might help the rest of us understand which insureres are left (the few

that are) that don't have such exclusions.

Sent from my iPhone

On Oct 27, 2010, at 11:14 AM, dragonflymcs

<dragonflymcs@...> wrote:

To me it does not matter what insurer...........there are just too many bad

ones

or when it is their time to pay they file bankruptcy when a large area was

affected. Either way they are getting away with murder.

God Bless !!

dragonflymcs

Mayleen

[Guest guest]

do you know where in the policy it will state this exclusion? I tried to find

it but couldnt, yet was told I have one

how can they get away with this if my home had water damage ....

anyone have any luck fighting this?

>

> Yes, most insurance companies exclude mold coverage--whether for individuals

businesses, or HOAs, it doesn't matter.

>

> Quote: " To avoid these liability problems, nearly all insurance companies have

now specifically excluded mold coverage. "

>

> Source: http://www.abanet.org/rpte/katrina/book-two.pdf

>

> Sent from my iPhone

>