 Posted: Thu Jul 08, 2010 11:21 pm Post subject: WATER LEAK - Denied from Insurance/NOW ITS BLACK MOLD |
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In January, our downstairs closet ceiling collapsed because water from the upstairs bathroom leaked through. The insurance company indicated that it was a prolonged leak and was not covered (this was back in March) AND that there was a construction defect (no proper bracing in place). Then they tried to claim that they would not renew us because there was no proper bracing in place unless we got the homebuilder to determine that there was proper bracing in place. The homebuilder wrote a letter stating that the bracing was in place and the insurance company renewed us. Since the insurance company denied our claim the first time, we began to attempt to repair the damages...when we removed the tile in the bathroom, we found BLACK MOLD. We called in a mold expert and he confirmed it was mold. He further indicated that if there is MOLD there, there may be mold throughout the bathroom, under the tile AND in the drywall.
Our insurance policy indicates that
"PERILS INSURED AGAINST...constant or repeated seapage of water or the presence...over a period of weeks, months,...and the resulting damage is unknown to all "insureds" and is hidden within the walls or ceilings or beneath the floors..."
Does that mean that my mold is covered or not covered..WHAT DO I DO NOW??? I live in NEVADA
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