Follow us!

    Re: Insurance Adjuster leaves us in black mold

    Posted by Deborah on 11/04/10

    Dear Mary,

    Excellent advice from Sharon. Hope you heed it.


    On 11/04/10, Sharon wrote:
    > Dear Mary,
    > RemDude's advice to two senior female tenants caught in a mold
    > situation, is all wet. There appears to be a legitimate reason
    > he does not post under his real name.
    > Claims adjusters DO have responsibility to properly adjust
    > their insureds' claims in a manner that no third party (that's
    > you) is harmed by any bad faith claims handling practices by
    > the employees of the insurer.
    > Join Sickbuildings. People who use their real names when
    > sharing information will help to point you in the right
    > direction.
    > Sharon Kramer
    > On 11/04/10, Rem Dude wrote:
    >> Yours is a common situation. Unfortunately, it is not the
    >> responsibility of the insurance adjuster to test for mold or
    >> even inform you that mold may be a problem. This
    >> responsibility falls on the homeowner/tenant.
    >> To file a claim, you need to find a competent mold
    >> investigator to document the cause, the extent of the mold
    >> damage and the scope of work necessary to remove the mold.
    >> Then, you file a claim with your insurer to cover the cost
    >> of cleanup.
    >> Then, you will need two or more bids from mold remediation
    >> contractors to perform the work as outlined by the
    >> inspector. It is always a good idea to call the initial
    >> investigator back after the work has been performed to
    >> ensure everything was done properly.
    >> You may be able to find a mold investigator at
    >> Make sure they are qualified (5 or more years in the
    >> industry), have a clean BBB record, and are insured.
    >> Your challenge will be that the insurer already performed
    >> cleanup on the mold. You will have to document that the
    >> effort was not up to industry standards.
    >> RD
    >> On 11/03/10, Mary Jensen wrote:
    >>> Sears sold two female senior citizens a water and ice
    >>> maker frig 5 yrs ago. My mother now 87 yr old. The cheap
    >>> plastic tube burst as they do. The cheap plastic is known
    >>> to burst. Sears never informed us of the problem or told
    >>> us to get copper pipes.
    >>> The hose burst dumping over 1,000 gallons of water within
    >>> 20 hrs. into the basement bedrooms. Farmers insurance
    >>> adjusters did not inform us we now had a black mold
    >>> growing as it took them 4 days to appraise. They cut a
    >>> piece of carpet out of the 2nd flooded bedroom to anylyze.
    >>> Told me they would pay for new carpet and pad. But they
    >>> allowed $3.56 to remove moldy carpet, $3. for new carpet
    >>> pad, $50. on carpeting. The black mold was growing right
    >>> by the door. Never informed me. Could not find people to
    >>> remove black mold carpet. Someone from Farmers called a
    >>> disaster team. Told them I was to go into the mold room to
    >>> remove contents as they had paid the property owner $60.00
    >>> to do this. The same adjuster also paid $80. to launder
    >>> clothes telling me to wash them for the property owner he
    >>> lives out of town). I was already sick by this time. A
    >>> handy man was helping me. He kept insisting moisture was
    >>> behind the wall. Adjuster ignored him. Handy man came back
    >>> with a meter after the adjusters left moisture was behind
    >>> the wall. Everyone in the house got sick. Black mold is
    >>> dangerous ifeel violated.

    Posts on this thread, including this one

  Site Map:  Home Chatboards Legal Jobs Classified Ads Search Contacts Advertise
  © 1996 - 2013. All Rights Reserved. Please review our Terms of Use, Mission Statement, and Privacy Policy.