Get ready for a justified resistence by wind carriers not to pay for mold sourced from flood water, as FEMA has deemed mold not covered.
“Efficient Proximate Cause” has been recognized by everyone except the FEMA based Flood progam and it is going to put the poor insured between two giants, who will refuse to pay … one correctly the Wind carrier and one incorrectly the Flood program.
Good Luck ! I raised the issue at a then Dept of Ins. in August of 2002 open forum, since state and federal government issues will be associated with these diputes.
This is a great idea, insurers and policy holders should be happy about this. There is nothing wrong with having a second set of independant eyes on the situation to help quickly resolve any disputes. Good job Florida. Just make sure that the mediators are fair and are of good moral judgement.
I would like to know what the outcome of the mediation program after Andrew.
Did most mediators sides with the actual policy contract or did they just make the big insurance company pay. Fair and good moral judgement would be great, however I find that far
and few between.
When does fair & moral ever appear in the body of an Insurance Contract ? WTF ? Fair and Moral is a Moving Target much like the Flavor of the Day. In the insurance industry, we use a different measure: is it LEGAL. If you dont like it, move to France. There, the big insurance company is the GOVERNMENT. Let me guess, are you a Liberal Demon(c)rat
GO BUSH, FOUR MORE YEARS>>>>>>>>>>>>>>>>
If the Insurance companies acted quickly enough there might not have been as many mold occurances. Now they are trying to put it under your mold policy which does not cover as much. Why are people and the Insurance commission allowing this to go on?
OUR INSURANCE HIRED AN OUTSIDE COMPANY TO INVESTIGATE THE MOLD IN OUR HOME FOLLOWING FRANCES AND JEANNE. THE OUTSIDE COMPANY RECOMMENDED THAT OUR HOME BE TOTALLY GUTTED AND TREATED. THIS IS TO INCLUDE REMOVING EVERYTHING DOWN TO THE BARE 2X4’S, INCLUDING ALL CABINETS BATHTUBS AND TOILETS. OUR INSURANCE COMPANY DID NOT LIKE THE OUTSIDE COMPANY’S DECISION, SO THEY DECIDED TO SEND THEIR OWN INSURANCE MOLD PERSON IN TO EVALUATE. IT’S BEEN 11 WEEKS SINCE THE HURRICANES, AND WE ARE STILL LIVING IN THE MOLD WHICH WAS CAUSED BY THE WIND BLOWN WATER DAMAGE. WHEN DOES IT END?
I am having a real problem with my insurance company giving me my building ordinance coverage (25%). I have spoken with several people who are having the same problem. My insurance company stated they want my contractor to print out the several hundred page State of Florida building ordinance to jusify their estimate when I know anyone can access is on-line. It appears they are just trying to make it difficult, if not impossible for victims of the hurricanes to receive this coverage. Has anyone had success in winning against these big insurers who are taking coveage away from the small homeowner who has been paying for this coverage????
We have updated our privacy policy to be more clear and meet the new requirements of the GDPR. By continuing to use our site, you accept our revised Privacy Policy.
Get ready for a justified resistence by wind carriers not to pay for mold sourced from flood water, as FEMA has deemed mold not covered.
“Efficient Proximate Cause” has been recognized by everyone except the FEMA based Flood progam and it is going to put the poor insured between two giants, who will refuse to pay … one correctly the Wind carrier and one incorrectly the Flood program.
Good Luck ! I raised the issue at a then Dept of Ins. in August of 2002 open forum, since state and federal government issues will be associated with these diputes.
End…
This is a great idea, insurers and policy holders should be happy about this. There is nothing wrong with having a second set of independant eyes on the situation to help quickly resolve any disputes. Good job Florida. Just make sure that the mediators are fair and are of good moral judgement.
I would like to know what the outcome of the mediation program after Andrew.
Did most mediators sides with the actual policy contract or did they just make the big insurance company pay. Fair and good moral judgement would be great, however I find that far
and few between.
As part of the mediation program are lost earning or loss of revenue from businesses considered?
Steve, Steve, Steve
When does fair & moral ever appear in the body of an Insurance Contract ? WTF ? Fair and Moral is a Moving Target much like the Flavor of the Day. In the insurance industry, we use a different measure: is it LEGAL. If you dont like it, move to France. There, the big insurance company is the GOVERNMENT. Let me guess, are you a Liberal Demon(c)rat
GO BUSH, FOUR MORE YEARS>>>>>>>>>>>>>>>>
If the Insurance companies acted quickly enough there might not have been as many mold occurances. Now they are trying to put it under your mold policy which does not cover as much. Why are people and the Insurance commission allowing this to go on?
OUR INSURANCE HIRED AN OUTSIDE COMPANY TO INVESTIGATE THE MOLD IN OUR HOME FOLLOWING FRANCES AND JEANNE. THE OUTSIDE COMPANY RECOMMENDED THAT OUR HOME BE TOTALLY GUTTED AND TREATED. THIS IS TO INCLUDE REMOVING EVERYTHING DOWN TO THE BARE 2X4’S, INCLUDING ALL CABINETS BATHTUBS AND TOILETS. OUR INSURANCE COMPANY DID NOT LIKE THE OUTSIDE COMPANY’S DECISION, SO THEY DECIDED TO SEND THEIR OWN INSURANCE MOLD PERSON IN TO EVALUATE. IT’S BEEN 11 WEEKS SINCE THE HURRICANES, AND WE ARE STILL LIVING IN THE MOLD WHICH WAS CAUSED BY THE WIND BLOWN WATER DAMAGE. WHEN DOES IT END?
I am having a real problem with my insurance company giving me my building ordinance coverage (25%). I have spoken with several people who are having the same problem. My insurance company stated they want my contractor to print out the several hundred page State of Florida building ordinance to jusify their estimate when I know anyone can access is on-line. It appears they are just trying to make it difficult, if not impossible for victims of the hurricanes to receive this coverage. Has anyone had success in winning against these big insurers who are taking coveage away from the small homeowner who has been paying for this coverage????