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Fuzzy Facts and Frustration

October 9, 2009

Unfortunately, the facts about mold are fuzzy, unclear, and often open to interpretation. At the same time, since our health, homes, and finances are at stake, our human bias is heavy, strong, and passionate. Fuzzy facts and human bias breeds a very frustrating environment when it comes to dealing with mold in our lives.

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Mold Problem: Who to Sue? (Part 2)

October 5, 2009

A little prevention goes a long way. Many studies have shown that mold prevention costs almost nothing compared to how much damage mold can cause if left unchecked. We often look for someone else to blame when we ourselves are at fault for not taking care of our problems while we still have the chance. Mold never has to be a serious problem and will only present a danger to our health and homes when serious mistakes have been made and problems neglected.

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Mold Problem: Who to Sue? (Part 1)

October 2, 2009

Your Insurance Company: After your home flooded in a recent hurricane, the insurance company took their time before sending an adjustor and paying for repairs. Now because they took their sweet time and allowed the water to stagnate, mold is now growing out of control. It’s the insurance company’s fault that you have mold, so get your lawyer on the phone right away – right? Not so fast. Most insurance companies specifically do not cover mold. They may cover water intrusion, but not the mold that may result because of it, even if it is partly their fault for not assessing the damage fast enough. Other times, the language in your policy is just unclear. In this case, you’ll have to hire an army of lawyers to compete against your insurance company’s defense team. Don’t hold your breath. Insurance companies have more money than you to spend on litigation, and they do not like to lose.

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Does Mold Have a Direct Effect on Human Health?

September 9, 2009

This weapon is a paper from the American College of Occupational and Environmental Medicine, or ACOEM. The paper downplays the effect indoor mold has on human health, claiming that while some people exhibit allergic reactions to mold, mycotoxins do not adversely affect health and pathogenic mold infections are unlikely.

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Mold Scam Alert: Encapsulation, Sealants, and Mold Paint

May 18, 2009

Also called mold sealant or mold paint, encapsulation is the process of treating mold with a product that “glues” the mold in place so it cannot release any spores – rendering the mold powerless. This works to some extent, but encapsulation is not completely effective and should never be the sole means of remediation. Encapsulation is sometimes relied upon as a crutch and to compensate for a poor or rushed mold removal job.

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Know Your Mold Insurance Policy

April 29, 2009

The language in your policy may be vague or confusing, sometimes intentionally. It’s a good idea to have a lawyer go over it and explain it to you so you completely understand it and can be prepared.

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Are Insurance Companies Discontinuing Mold Coverage?

April 27, 2009

Allstate, the second biggest home insurer, added language to clarify that it doesn’t cover “mold, fungus, wet rot, dry rot, or bacteria” unless the problems originate from events already covered by the policy. And even when it is covered, the costs are limited to $5,000 – a lot less than Melinda Ballard’s $32 million settlement. Safeco Corp put a $10,000 cap on their mold coverage.

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