Re: guess no one wants to touch on this?

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Insurance is supposed to cover exactly what is outlined in your
policy. It is not neccesarily a "catch all" coverage. If mold
is not covered per the terms in the policy, then it is not
covered. Just like if flooding is excluded from your policy,
then you will not be compensated if a flood destroys your house.
There is no bad faith about denying a claim based on occurance
that is excluded in your policy.

On 2/28/06, TMV 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?