Re: guess no one wants to touch on this?
Posted by Matt on 3/14/06

If it is a standard homeowner's policy, any word in "-" should have
a definition of that word in the policy. Usually in the front of
the policy. Look to see if your "mold" has a definition.


On 3/14/06, TMV wrote:
>
>
> ok, so when you purchase a home through a loan at a
> bank, and they require you to have insurance for protection
> against natural hazards, and give you a booklet containing the
> statement that this insurance is for covering natural hazards,
> and that a natural hazard is anything caused by nature that harms
> your health, who is reasponceable? and again, if a policy just
> says it doesnt cover mold, I dont think it covers the toxic
> molds/mycotoxins, "mold" is a word for regular non-toxic mold,
> big difference. biochemicals used in warfare are considered a
> natural bio hazard. mycotoxins are used in biochemical
> warfare. On 3/13/06, Matt
> wrote:
>> 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?

Posts on this thread, including this one

• question on insurance, 2/16/06, by TMV.
• Re: guess no one wants to touch on this?, 2/28/06, by TMV.
• Re: guess no one wants to touch on this?, 3/13/06, by Matt.
• Re: guess no one wants to touch on this?, 3/14/06, by TMV.
• Re: guess no one wants to touch on this?, 3/14/06, by Matt.
• Re: mold - Furniture, not taken out place for a year, Place had , 8/10/06, by ,.
• Re: mold - Furniture, not taken out place for a year, Place , 11/14/06, by Scott Ward.