Re: mold - Furniture, not taken out place for a year, Place

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On 8/10/06, , wrote:
> ,On 2/16/06, TMV wrote:
>> Part of Insurance coverage is to protect you from natural
>> hazards, right? natural hazards are anything produced by
>> nature that harm your health.
>> even if your policy says mold is not covered, there is a
>> big difference between mold that is not produceing
>> mycotoxins and molds that are. policys do not say they
>> don't cover enviromental illnesses caused by mycotoxin
>> produceing molds.
>> mold is a act of nature, and toxic molds/molds that produce
>> mycotoxins, is a natural hazard.
>> So when you are exposed to toxic molds in your home, and
>> have enviromental illness as a result of mold exposure,
>> How can your claim be denied, and isn't this a act of bad
>> faith?

Is this a home owners policy or a health insurance policy?
If it is a home owners policy, it is not to cover health
problems regardless of the cause. If a tree fell on your
house, and landed on you in the bed and injured you, the roof
would be covered, but you would not be. There are exceptions
to this in some policies in regards to your guest and
accidents.

Basicly, if you are referring to a health insurance policy you
may have a case, but with a home owners policy you have no
case because the policy more than likley does not cover health
and only covers the risk or dwelling.....

Adjuster...