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Newt
USA
657 Posts |
 Posted - 09/16/2002 : 07:41:14
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THIS IS NOT JUST ADJUSTER INFO, THIS IS SOME OF THE METHODS PCO'S
(PEST CONTROL OPERATORS) HAVE BEEN USING FOR YEARS IN PROTECTING THEMSELVES FROM MOLD CLAIMS. RECORDS,RECORDS, RECORDS, AND DON'T TIP YOUR HAND TIL THE FAT LADY SINGS.
1 Photos you need,the carrier may not pay for or want:
a.Foundation complete, paying special attention to vents. Take shots of every closed vent or any that have been blocked off.
Check the grade, has soil been added or other material that may block off the the breather holes in the lower courses of brick.
Are there sufficient vents,A good example,10 ft from each corner and no more than 15-20 feet apart on each elevation. Make a note of every descrepincy.
b. Check the grade and and runoff potential. Look for areas that may allow water to run under the house or structure.
c. While you check the roof also check the ventilation ,take a shot and notes for your records.
d. If the house has a crawl space, you should have 18" clearance. Check for plumbing leaks. Make sure duct work is well insulated.
e. All during this inspection keep silent, don't tip your hand, it may upset the client. Because they may think this has nothing to do with their claim .
f. After you finish, then inform the client of the problems you noted. A person will think twice about a mold suit, because he/she knows you have a record of problems. If they have no problems, they will have no mold.
Note: I cannot invision a carrier not wanting this information to cover themselves,and you just might save yourself and the carrier grief down the road. This info provided by a seasoned PCO, not an adjuster.( yet) |
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ChuckDeaton
USA
373 Posts |
Posted - 09/22/2002 : 18:21:08
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| A claim payment requires a covered cause of loss. We generally document the presence or lack there of of a covered cause of loss. Additional photos and equipment is needed to document properly. Attic ventilation, crawl space ventilation, drainage and moisture barries are extremely important. Open holes in the floor and ceiling should be documented. Cooler, moist air flows from an unvented crawl space, thru these holes, into the interior and causes mold growth. Ground areas around the perimeter that hold ground water allow that water to soak the ground and condense under the risk. |
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Newt
USA
657 Posts |
Posted - 09/24/2002 : 01:11:03
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Chuck: Do you document moisture content and what percent does the adjuster consider to be excessive? The things you brought up were important and if every one takes these precautions
serious out there they may save some problems down the road. Everyone is going to need a moisture meter sooner or later. |
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ChuckDeaton
USA
373 Posts |
Posted - 09/24/2002 : 08:50:48
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| Yes, Newt, I carry a moisture meter, a mini Ligno, and use it as circumstances dictate. I use it more in a differential manner than for an absolute determination of moisture percentages. A correct unassailable measurement requires calibration. Generally speaking moisture levels are going to be higher closer to a scource than moisture levels farther away from a scource. Based on my experience the sheetrock moisture level in a air conditioned risk are going to be below 10 %. Sometimes below 6%. There are times when I photograph the moisture meter reading for documentation purposes. |
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