Re: Three Years Later, Industry Puts Toxic Mold into Perspec

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You leave out the biggest class of 'victims', the renters. They
are often unaware of any problems and landlords and property
managers simply paint over evidence; the paint visually and
olofactorily obscures the presence of mold.
I have said time and again that some criminal penalties must be
assessed for failure to maintain, particularly when awareness of
the problem results in a 'makeover' rather than remediation of the
underlying problem.

It is Easter, so go ahead and crucify me. Mary, give it your best
shot.

On 4/01/04, johncodie wrote:
> On 3/31/04, Jack wrote:
>> I don't work for for Farmers and am no longer in the busines
>> so I could give a s*#t about Farmers.
>
> This sounds like you saw the light of day. When did you decide
> that being a representaive of the insurance industy was just not
> worth the effort. I have read alot about how the guys that stay
> on the road months out of a year can't depend upon a livable
> income from the insurance industry paying a decent wage for the
> knowledge and front line personnel skills these guys have to
> develope.
>
> In my opinion Farmers won this case...giving away what they did
> in the Ballard case is pocket change for this company and and
> realistically only a fraction of all the fraudulent mold claims
> they paid out.
>
> So Winning the case in your opinon is having a jury find evidence
> to warrent a 32 million dollar judgement, the company admits bad
> faith, and advertise they are not found guilty of fraud? If
> Farmer's bread and butter is trust with the insurer's of the
> World to put their money with them rather than someone else; it
> sounds like they lost a major Public Release opportunity. What
> other commodity does the insurance industry provide besides a
> promise to make whole in case of an unlikeyly event.
>
> In my opinion both parties are at fault... (Contributary
> Negligence ?)
>
> incompetence vs. money train...
>
> Ms Ballard is a very competent Public Relations person. I doubt
> that she was ever not heard, or misunderstood.
>
> Now concerning money train... did you expect Ms Ballard to foot
> all the repairs and then wait until Hell froze over for Farmers
> to send her a check for all her incompetence
>
> If Farmers hired the people that were to come find the problems
> with the house are they not competent to relove the problem
> before it becomes a 32 million dollar reduced, not counting the
> bad public opinon? Either side could have called anyone up to
> the $300 dollar an hour toxicologists.
>
> Good for you maintaining your home...
>
> In my industry people die if leaks are not found and fixed, and
> the industry from Texas your refer to, Houston, Corpus Christie
> sent over their best three times, after the industry had sent
> even more. We have video of them smelling contents and claiming
> no mold, and upon removal and destruction we found the boxes
> never opened and contents like redwing boots and leather shoes
> growing together. For those boxes of contents no compensation
> was provided in the estimates, and they had been made available
> for inspection for seven years.
>
> you would be suprised how many Americans do not and then blame
> someone else for their problems.
>
> After a hurricane delunged my home and all the contents saturated
> with moisture contents up to 100&37;, i got critisized for
opening
> up the interior walls and letting the A/C dry the interior. The
> adjuster said it would be fine since it was not flood water, just
> let it dry. It just about boiled down to blaming me for the
> hurricane and not going to the bank to borrow a quarter of a
> million dollars on top of existing notes to finance all the
> repairs, on top of all the other labor, and moving we had paid
> out of pocket. In their opinion my knowledge over their
> adjuster's knowledge made me negligent.
>
> It a shame there isn't a bad faith clause in the policy for a
> homeowner not taking care of their home.
>
> There is a clause there if ever an adjuster would take the time
> to sit down with an attorny and look at the words. The insurance
> company always retains the rights to come and examine the home
> for potential problems. We had ours checked four years before
> the storm. The company wanted to see the dead bolts, the fire
> etinquishers and the overall condition of the home. They were
> satisfied and just kept taking the checks every year.
>
>
> I wish you could have been in my shoes when I handled claims in
>> the houston area a couple of years ago in the height of this
>> hysteria. Contractors, public adjusters, remediators and just
>> plain con-men new exactly how to play the game.
>>
> I was talking with the paralegal downtown Houston at that time
> when Houston was flooded; they were just starting to deal with
> the miscommunications as I had been dealing with it for the past
> four years. In my opinion the insurance industry was doing
> everything they could to justify the rate increases, while they
> were greezing the skids of the judicial sides to say no problem
> to mold, while there was no scientific support. The paralegal
> also found mold in her closets, having an inflicted child at
> home; and the law firms attorney discovered he had Cancer. I
> know how the gam is played, we prepare for it every day. The
> game is called all out war. There is nothing Civil about it and
> no need to lessen the blows.
>
> Like I said the problem hasn't gone away. As long as newer homes
> are "moldy" and the realtors are divided, and the contractors
> unsure how they got that way; there is a huge liability brewing.
>
> I am sure if Farmers would have been on the up put the competent
> people on the problem people in Texas would be smiling rather
> facing off over the battle lines. Insurance is supposed to be a
> betterment of Socity and its policy held to a higher standard
> than a standard Contract. Is should not be an instrument to
> divide and cause Civil disobidence.
>
> jc
>

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