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

    Posted by Mary on 4/06/04


    I don't know if you really need my help with this one. You seem to
    put yourself up on the cross a lot. I mean, just look at your posts
    over time.

    In any event, I hope spring finds you well and happy. Really.


    On 4/06/04, dd wrote:
    > 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 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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