| Author |
Message |
Roy Cupps (Admin)
| | Posted on Thursday, November 30, 2000 - 11:37 pm: | |
Thank you to all that posted. We appreciate your comments and time. This thread is being closed at the request of the person who started it. |
Harold J. Geoffrey (Stormadjuster)
| | Posted on Thursday, November 30, 2000 - 6:49 am: | |
Mr. Cook, trying to drum up some business |
Karen Murphy (Murphy)
| | Posted on Wednesday, November 29, 2000 - 9:15 am: | |
Mike, have ServiceMaster go out to the home as soon as possible. They have a good anti-microbial system/product to remove the mold that has attached to the carpets, walls, ceilings and furniture. The mold is throughout the air of the entire home, and it should be cleaned thoroughly before your daughter and her family moves back in. Make sure all the dishes, glasses, etc. are hot cleaned in the dishwasher before they eat off them. If she/you think along the lines that the entire home is now contaminated, it will help her win the battle. Keep in mind that the elderly and the very young die from mold in the air more often than people are aware of.
With all the studies that are going on about this, we are all sure to see alot more claims activity regarding mold and mildew damages. And it appears that the insurance companies are well aware of the implications...... |
guest
| | Posted on Monday, November 27, 2000 - 5:53 pm: | |
Mr. Hillis
There are issues that should be addressed regardless of the determinations of the handling adjuster. Please consider that the health issues may outweigh the finacial outcome of the decisions of insurers and their adjusters. I will be glad to share some of my findings in regard to the Stachy Boytros mold.
William S. Cook
Public Adjuster |
Leonard Parker (Leonard)
| | Posted on Sunday, November 26, 2000 - 5:49 pm: | |
The health of your daughter's family is paramount. If any one of them is getting sick, get them out of there. The carrier has already told you as much. The conventional thought is that if the complainant is removed from the mold environment, the symptoms will generally improve or completely disappear in short order.
That having been said, you should be aware that the road you are beginning is a lengthy process. This is not a matter that is going to be resolved in a few days, or even weeks. There are volumes upon volumes of information available on the subject, but if you want a good, brief, starting point,go to {http://www.claimsmag.com/Issues/Aug00/mold.asp.} |
Tom Joyce (Tomj)
| | Posted on Sunday, November 26, 2000 - 5:12 pm: | |
A purpose for this web, thanks Roy |
MIchael A. Hillis (Iadjstm)
| | Posted on Sunday, November 26, 2000 - 2:41 pm: | |
My daughter has a two year old house which the original contractor has had problems with the houses he builtin the area since built.
She has an Ho3 policy with r/c and additional endorsements which I will have to review.
The insurance company has told us to have her move out and that they will give emergency ALE on Monday. There are 2 adults and 4 children 8years old and younger.
I would like to thank all of you that has E-Mailed me regarding this problem. I know I could get some additional information that I would need before I speak to her adjuster.
Thank you all!!! |
Guest
| | Posted on Saturday, November 25, 2000 - 5:51 pm: | |
What kind of policy does your daughter have, what state are you located in, and what is the age of the house? It is essential to know these things before anyone could give you an intelligent answer. |
Tom Toll (Tom)
| | Posted on Sunday, November 26, 2000 - 12:51 am: | |
The one mold you must really be careful of is sachi batrus. You should consult with an air quality specialist or an epidemiologist. Take a sample of the mold in to them, or have them come to the house. If the mold is bad, the habitants should be wearing mask, so as to not allow the spores to invade the lung. Here is an article I found on the web. Hope this information might help.
ARTICLE
Most people associate mold and ill health effects with consuming perishable food after it loses it freshness. But according to Andrew Streifel, hospital environment specialist at the University of Minnesota, the mold and mildew that grow in damp parts of your home also can cause health problems. "The body reacts to mold particles which are airborne, spread and breathed into our lungs," says Streifel.
When mold grows in one area of the house, it can emit particles which travel through the air. Generally, these particles will settle into one area if there is little air movement. But some of the particles will inevitably stay airborne, so that inhabitants can be exposed not just in the room where the mold is growing, but throughout the entire house.
Streifel says that a person breathing in mold particles can be at risk for numerous illnesses. The biggest health threat is from hypersensitive diseases, including asthma and chronic nasal drip.
Humans can also develop infections caused by airborne fungus. According to Streifel, people who are immune-suppressed are particularly susceptible. "For example," says Streifel, "if someone with a transplanted kidney organ were exposed to high doses of mold particles, they could develop an infection of the lung."
An emerging health issue involves fungal growth which produces toxins in spores, which can cause symptoms. But Streifel says that knowledge on this reaction remains limited and is being investigated.
There are various symptoms of mold exposure, including eye irritation, shortness of breath, running nose or general malaise. You may notice that you suddenly feel better when you leave an affected area. Poor indoor air quality is associated most often with inadequate ventilation, but investigations are linking microbial growth with occupancy problems.
The best way to prevent mold-related illnesses is to stop mold at its source of growth, which means stopping moisture. Keep the house dry, especially in predictably damp areas like the bathroom or the basement. If an area of your house starts smelling like mildew, Streifel says it has already set up shop and you will need to get the mildew under control. Bleaching the moldy area thoroughly is the first step. But Streifel warns that mold can grow back even after the area is cleaned, so it is a good idea to dehumidify damp areas.
Ironically, house occupants become most heavily exposed to mold particles during the cleaning process; this is especially true for the one doing the cleaning. The cleaning stirs settled particles and the ensuing air movement causes them to become airborne again.
If you're going to clean up a mold-ridden house, Streifel advises that you wear a face mask. If you use a vacuum cleaner to clean a moldy area, the particles that are taken in could be reintroduced in the outflow every time you vacuum. Use a highly filtered vacuum and be sure to replace the used vacuum bag.
Streifel stresses the importance of getting the moldy air out of the house. Plan carefully to protect yourself and others in the house when cleaning moldy areas, and see a physician if you have persisting symptoms of mold exposure. |
MIchael A. Hillis (Iadjstm)
| | Posted on Saturday, November 25, 2000 - 3:44 pm: | |
I am making this post to find out the correct method to conclude my daughters problem she has due to a hot water pipe damage.
my daughter worked for me during the Northridge Eq and completed quite a number of losses. Approx. 2 years ago she was diagnosed with RSD, a nerve disorder. Now she is totally unhandicaped, and i in a wheelchair. She has severe ashma and is now developing breathing problems due to RSD.
I was called to my daughters home on tuesday to find a plumber there locating a hot water leak. she has a 2story house with an open floor plan on entire 1st floor and going into valted ceiling and to upper hall and landing. The plumber found in her entryway that the wall between that and of the lower bath there was a sheetrock screw that was driven into the wall and had hit the hot water line. Over the long period this had been leaking but was never noticed till Tuesday. When the plumber tore out portion of the wall for access he found severe mildew going uo th e wall into the 2nd level. her lower carpets have been torn out now but she is getting sicker and sicker since the wall area was opened.
My question to anybody out there is, is it possible due to the steam from the hot water pipe on the first level could there be mold and mildew that has gone up into the subflooring and walls. And how do we determine how severe this really is.
I told my daughter and her family that they should move out but her husband says wait till the adjuster comes out. The adjuster will me there on 11/27/00. What should I do in the meantime?
I don't want to have my daughter this sick.I really believe that I would of moved her out under the ALE portion of her insurance.
Please any comments and ideas would be greatly appreciated! |
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