Re: Insurance Adjuster leaves us in black mold
Posted by Ginger Stanley - Volusia-Flagler Water & Fire Restoration, I on 2/07/11
Please feel free to contact our company with questions, advice or
assistance 386.672.4648. We can refer you to Insurance Recovery
International David Beasley (more free advice) at 321-277-1784.
IICRC Microbial Remediation Specialist
IICRC Applied Structural Drying Specialist
IICR Water Damage Restoration Specialist
On 11/04/10, Deborah wrote:
> 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
>> 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 IAQA.org
>>> 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.
>>> 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.