If you have mold damage to your home and it is due to something that’s covered in your insurance, such as water damage, a lot of the time it is covered. If it is a mold infection that has occurred over time, it is probably not covered. These are two general rules to go by if you’re trying to get your insurance company to cover the cost of removing the mold from your home.
Insurance companies are scrambling for reasons to deny insurance claims concerning mold and what adjusters and claim representatives like to tell people intending on filing a mold-related insurance claim is that mold has been around longer than people have and that it’s not as dangerous as all the hype is making it out to be. If you are going to file an insurance claim related to mold and they tell you that, it might be a good idea (especially if your claims adjuster is Jewish or Christian) to quote to them Leviticus 14:33-48. This is a scripture in the Bible that all but plainly records what the Lord has to say about mold and the dangers of it growing in the home. It says that the house is considered unclean and the mold should be removed and disposed of properly (i.e. away from where there are people). In this way, you will possibly have the upper hand because they will no longer be able to say that mold has only been recently seen as a problem when it grows in the home. Even if you are not Jewish or Christian, the text does prove that mold has not only existed as long as people have, but that it has been a problem just as long.
If you can prove that the mold in your home was a secondary problem caused by something that is covered by your insurance, your company might cover the funds needed to correct the problem. Read over your policy and determine what is covered by your insurance policy and what is not. Whatever you do, do not let your insurance adjuster sneakily get you to agree that the mold in your home has been around for a long time or that there could be a water leak hidden somewhere near the infection. As soon as you even remotely agree to something like this, they have you where they want you. Wait until any and all investigation into the problem is completed before you agree to anything with your insurance company.
List everything you need to have covered, including the cost of you having to relocate while the mold remediation is taking place and make sure you get all of the benefits that you are supposed to get under your policy.
Showing posts with label black mold. Show all posts
Showing posts with label black mold. Show all posts
Thursday, January 31, 2008
Mold Saves Lives Everyday, How You Live With Mould Spores
Mold has been around for millions of years and while certain varieties of it can be quite harmful to our health, there are other varieties that have been used by human beings for years in order to improve our quality of life in one way or another. It has been used in foods, medicines, and to help decompose organic matter.
Many different kinds of foods have been made with mold over the years, one of the most famous of which is cheese. Blue cheese was invented quite by accident a long time ago when mold had started to grow in a block of cheese that had been left to age. It is salty, crumbly and is a somewhat acquired taste, if the blue mold veins of the cheese do not stop you from tasting it in the first place. Roquefort and gorgonzola are also made with molds. The culturing of just the right kind of mold to make these blue cheeses has become a science over the years and these moldy cheeses are often referred to as the “kings” of cheese.
Aspergillius oryzae or “koji-kin”, as it is known in Japan, has been used for centuries to create the Japanese alcoholic drink of sake. Without the magical koji, they say, there is no sake. Sake is not the only type of drink that uses the koji mold as an ingredient. It is sprinkled on top of steamed rice and provide the enzymes that are needed for making the sugar the yeast needs to grow. The mold has an immensely important role in the creation of sake and any brewer proud of his drink is sensitive about its handling. Depending upon the flavor wanted in the sake, the koji-creation process can be affected by different temperatures, the kind of rice used, the mineral content of the water, and other factors seriously affect the final product.
Penicillin was created by Alexander Fleming back in the early 1900’s by accident and it has been used by countries worldwide since then in order to help the human body fight all kinds of infections. While some people have been known to be allergic to penicillin, allergic reactions are not so common as to stop doctors from prescribing it.
Aside from the uses that human beings have made of mold, its natural role is to decompose dead organic matter in its natural environment. This is one reason that it often finds its way into our homes, because our homes tend to be made of wood and sheetrock that has paper on it. This is what mold feeds on and until we start making our homes out of synthetic materials, we will probably have a hard time keeping mold out of them.
Many different kinds of foods have been made with mold over the years, one of the most famous of which is cheese. Blue cheese was invented quite by accident a long time ago when mold had started to grow in a block of cheese that had been left to age. It is salty, crumbly and is a somewhat acquired taste, if the blue mold veins of the cheese do not stop you from tasting it in the first place. Roquefort and gorgonzola are also made with molds. The culturing of just the right kind of mold to make these blue cheeses has become a science over the years and these moldy cheeses are often referred to as the “kings” of cheese.
Aspergillius oryzae or “koji-kin”, as it is known in Japan, has been used for centuries to create the Japanese alcoholic drink of sake. Without the magical koji, they say, there is no sake. Sake is not the only type of drink that uses the koji mold as an ingredient. It is sprinkled on top of steamed rice and provide the enzymes that are needed for making the sugar the yeast needs to grow. The mold has an immensely important role in the creation of sake and any brewer proud of his drink is sensitive about its handling. Depending upon the flavor wanted in the sake, the koji-creation process can be affected by different temperatures, the kind of rice used, the mineral content of the water, and other factors seriously affect the final product.
Penicillin was created by Alexander Fleming back in the early 1900’s by accident and it has been used by countries worldwide since then in order to help the human body fight all kinds of infections. While some people have been known to be allergic to penicillin, allergic reactions are not so common as to stop doctors from prescribing it.
Aside from the uses that human beings have made of mold, its natural role is to decompose dead organic matter in its natural environment. This is one reason that it often finds its way into our homes, because our homes tend to be made of wood and sheetrock that has paper on it. This is what mold feeds on and until we start making our homes out of synthetic materials, we will probably have a hard time keeping mold out of them.
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