Diane in Laurel, Mississippi

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I just found out that my house has mold. My floor and floor joistes are rotted from the mold. I had a pipe leak under my deck which was hidden and we did not know that it was leaking. I have mold coverage on my insurance policy. Call the insurance and they sent out an agent. He would not go under the house to check the joistes or anything .

He just walked round the house and took pictures. Well, bad news, he said they would not pay because of something I did not understand. I don’t know why i have been paying for mold coverage if they won’t pay for!

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6 comments

Jonathan May 2, 2012 - 4:02 pm
Diane - Thank you for sharing your story! I'm sorry to hear about the claim denial. Dealing with insurance can be frustrating. Do you recall any details of the reason that the agent gave?
Chrissy Mann July 4, 2012 - 8:38 am
Hi Diane, Please go to http://www.unitedpolicyholders.org and you may be able to have some kind of recourse with your insurance. Our first recommendation as a mold company is to recommend contacting a public adjuster to consult when insurance is involved. They work on a contingency basis and are payed after there is an insurance settlement.
Jim Pearson November 7, 2012 - 7:16 pm
Diane, I think the reason there was no coverage was it was outdoors (the deck). Generally, insurance will cover mold indoors when it forms as a result of a "covered Loss" such as a pipe break that wets some drywall and mold forms on it. I have restored property losses for 33 years.
Madeline Alonso February 7, 2013 - 8:54 am
Too bad to hear about your claim denial. This type of situations is why us here at Vital Oxide promote prevention and cleaning with our mold efficient products!
Rebecca Miller August 22, 2013 - 9:33 am
HELP (SOS) My Condo Above mine = refrigerator ICE-MAKER broke ...and flooded kitchen ceiling & wood flooring, master-bathroom ceiling is the worse: as it is directly behind my refrigerator. Just had a AIR SPORE TEST DONE ...and it came back with: PENICILLIUM ASPERGILLUS over 2,000 ! =================================== I have 6 spinal-ruptured disks and therefore I am on: Social Security DISABILTY INCOME. HOW DO I FIND... a mold remediation company - as, my AAA INSURANCE COMPANY DENIED MY CLAIM ? As, I will have to 'borrow' the remediation monies. It happened Xmas 2012 -and it the mold has been in my Condo to today 08/22/13. THANK YOU FOR YOUR WISDOM.
Chrissy Mann August 22, 2013 - 12:55 pm
Hi Rebecca, Did you contact a public adjuster who may be able to help you? There may be a way to challenge your insurance company. Don't know positively but it would be good to contact PA nontheless. Keep http://www.moldremedy.biz in mind for EXCELLENT remediation services. Our company travels throughout U.S. to provide services in regards to mold, etc.
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