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    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.

    Ginger Stanley
    IICRC Microbial Remediation Specialist
    IICRC Applied Structural Drying Specialist
    IICR Water Damage Restoration Specialist
    IICRC #72283

    On 11/04/10, Deborah wrote:
    > Dear Mary,
    > Excellent advice from Sharon. Hope you heed it.
    > Deborah
    > 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.

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