San Diego, CA – Property insurers use secret tactics to cheat customers out of payments–as profits break records. Julie Tunnell remembers standing in her debris-strewn driveway when the tall man in blue jeans approached. Her northern San Diego tudor-style home had been incinerated a week earlier in the largest wildfire in California history. The blaze in […]
Chicago, IL – Most Allstate Corp. customers living in areas hard-hit by hurricanes and other natural disasters are likely to see their premiums rise this year as a result of the insurer’s costly new reinsurance obligations, the company claimed last week. This is most likely to result in higher premiums for everyone involved, although Allstate Corp. […]
Hartford, CT – Mold is a common plague of homes, especially after the seemingly limitless rain and flooding Northeast has seen lately. Insurance coverage of mold damage, though, is limited due to the severe health hazards that are involved with exposure. Among all major insurance companies, after profits are incurred, a much higher percentage of […]
Introduction Fungi evolved over millions of years ago (Sherwood-Pike, 1985) and references to mold in buildings suggest that molds have always been present in human environments. At present, there is growing public concern about the potential health effects of mold in homes and structures that has been heightened by growing illness and bizarre weather conditions, […]
I personally have no energy left for the issue of mold. We had an HVAC system infested with inches of mold discovered after seeing small amounts in a closet and having a young daughter who would stop breathing momentarily each and every night. It was literally a nightmare. After replacing our system with a new […]
Many who have experienced mold in their homes and suffered the illnesses, loss of their home, denial of insurance coverage, and ultimately the high costs and humiliation of litigation can empathize with those who must suffer similar woes. This week may set a precedence for homeowners in Texas who have been affected by this tragedy. The Texas […]
Cape Coral, FL — Luann Guy didn’t think she was in good hands with Allstate after Hurricane Charley wrecked her home, leaving water and mold in its wake. The single mother of two still lives in her Cape Coral home infested with mold. And after weeks turned to months without payment from Allstate Floridian Insurance […]
Austin, TX – Don’t be fooled: mold is gold for insurers. The sudden rise in the number of mold claims filed with insurers between 1999 and 2001 has now dropped off sharply. In its wake, insurers successfully threatened to pull out of certain states and lobbied state officials to reduce coverage and/or cap repairs while […]
They say the fungus causes health problems. Insurance companies say covering mold claims would make rates rise again since they couldn’t make much profits. 8/20/02 Temple Terrace, FL – Staffers for Florida Insurance Commissioner Tom Gallagher came to the Tampa Bay area Monday to hear homeowners and insurance officials complain about a burgeoning problem with toxic […]
by Virginia Watson Pleasantville, NJ – At a special public forum recently, Leeds Avenue School teachers described to Pleasantville school board members and a large contingent of concerned parents what often seemed like a scene out of a low-budget horror movie. Spontaneous nosebleeds. A green, furry growth rapidly overwhelming objects left on desks. Immune systems […]
Everette Lee Herndon Jr. and Chin Yang In February 2000, a Texas grand jury found reason to continue a criminal investigation of child endangerment charges against an insurance company for its handling of a water damage claim. This investigation was prompted by a criminal complaint filed by the policyholder and follows the filing of a […]
7/28/02 Austin, TX – Five of the state’s biggest insurance companies are joining forces to lobby the Legislature. Some lawmakers already are calling for more regulation to address skyrocketing premiums and shrinking coverage for homeowners. Some legislators also want to curb the use of credit scoring, the secret rating systems that many insurers […]
7/19/02 The Texas Department of Insurance has launched an investigation to determine if new homeowner policy restrictions by Farmers Insurance Co. violate state law. At issue is the decision by the second-largest company in Texas to stop selling new policies for homes that have had a water damage claim during the past three years, and […]
What’s the best way to get rid of mold? The insurance industry has an answer: Exclude it 8/09/02 Los Angeles, CA – State Farm Mutual Automobile Insurance, the largest home insurer, has eliminated coverage for mold in 33 states, including South Carolina. Even if the mold is the result of storm damage covered by a […]
7/20/02 Dallas-TX – On the heels of threats from the state, Farmers Insurance Co. backed away Friday from new homeowners policy restrictions tied to water and mold claims. The conciliatory move by the state’s second-largest home insurer came as the state allowed insurance companies to begin selling homeowners insurance policies commonly used in other states, […]
12/3/2 Sacramento, CA – State Farm General, the California arm of the nation’s largest home insurer, plans to suspend writing homeowner policies for new customers in the state as of May 1. The decision, conveyed Friday to State Farm agents in California, was perhaps the first major salvo in insurers’ efforts to recover losses resulting […]
1/11/03 Ft. Worth, TX – Mold has been the subject of much discussion lately within the insurance industry, as well as by others affected in their own right, such as lawyers, environmental consultants and consumer groups. And it seems like every time the subject comes up, it doesn’t take long for someone to chime in […]
5/22/03 Houston, TX – For the last two months, Bob and Kathy McCord have been suburban refugees. They were forced out of their four-bedroom house in Dallas because of toxic mold, which they say has been festering under the floors and walls since a water pipe burst this spring. “The mold got so bad,” said […]
 
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