Thursday 6th of October 2016 04:10:24 PM
Incident with Travelers Homeowners Insurance. We have held Travelers Homeowners and Auto policies since 2001. Up to this point we have been very satisfied their product and service. Unfortunately, that is not the case now. At the beginning of May 2017, I noticed a blackened spot on the wall in our hall bathroom. It was between the shower and toilet. I sent a sample of it to PRO-LAB and received the Certificate of Mold Analysis the end of May 2017. The results identified the sample as Stachybotrys, also known as black mold. After consulting the Center for Disease Control, US Environmental Protection Agency, and National Institute of Environmental Health Sciences, I realized the implications of this situation on my family's health. I also discovered the importance of having a licensed, certified Water Mitigation and Mold Removal Company, to fully remove it. In addition, I discovered that should we decide to sell our home, a certification from a credible Mold Remediation Company would be necessary to state that all mold and damage had been removed and repaired to safety standards. I contacted Bio Safety Clean and Chris ** came to my home on 6/26/2017. He did a full inspection and confirmed that the mold in the hall bath was Black Mold and needed to be removed immediately for my family's health. He also found there is extensive water readings within the wall behind the vanity, toilet, and tub/shower, basically the whole bathroom. The smell is not only in the bathroom but is also in the entry/living area, which shares a wall. In order to find the source of this water and remove all of the mold it is necessary to completely gut the bathroom, clean up all mold, determine where the water leak is coming from, repair this leak, and then install all new vanity, sink & counter, fixtures, shower walls, medicine cabinet, dry wall, paint, etc. On 6/26/2017, Chris emailed me the estimate to forward to Travelers Homeowners Insurance. The estimate was for $5630.99. I placed a claim with Travelers Homeowners Insurance on that same day, 6/26/2017. On 6/30/2017, the adjuster for Travelers and Chris ** with Bio Clean met at my home. The adjuster was emailed the report from PRO-LAB identifying the mold so he was fully aware of the black mold. Chris ** reviewed with the adjuster the estimate and why items on the estimate needed to be done to completely remove the mold and water. I am concerned that the adjuster has little or no experience in water mitigation and mold remediation. I received the estimate from Travelers on 7/3/2017 and the total was $6687.78 minus $1000 deductible for $5687.78. This estimate supposedly included the amount for water mitigation, removal of mold, and rebuild. After reviewing the estimate it is clear that Travelers has not considered the full extent of the water problem or mold infestation. The breakdown of the estimate is as follows: Water Mitigation $1149.22. Mold Remediation $1134.40. Rebuild $4404.16. As you can see, Travelers is agreeing to pay is $2,283 for Water Mitigation and Mold Remediation. According to this estimate, Travelers is only covering a portion of Bio Clean's water mitigation and mold remediation and a portion of rebuilding of our bathroom.**THERE WAS MORE MOLD FOUND IN BATHROOM DUE TO LEAKING PIPE WHICH MEANS THE COST WILL INCREASE. Items omitted from the estimate: Extended Stay cost upfront - $1065.40. Cost of items that had to be thrown away due to mold exposure - $1500. Cost of water and mold inspection by Bio Clean for $100. Loss of use for 10 days? I am also concerned that based on Travelers estimate the work would not be performed according to the Institute of Inspection Cleaning and Restoration Corticated Standards. The standards are as follows: Professional Water Damage Restoration $500. Professional Mold Remediation $520.If these standards are not followed we will not be able obtain a certificate that our home is free from water and mold. We would never have assurance that the water and mold has been fully removed and we would be unable to sell our home in the future since we would have not way of verifying that this problem was dealt with correctly. In addition, I have obtained an estimate from a licensed contractor through Home Depot that gave me a figure of approximately $7000 to restore my bathroom to full use. Clearly, Travelers estimate of $4404.16 will not fully put our bathroom back to full use. As you can imagine I find all of this very troubling. My family's health and welfare are at stake. I am sure you would feel the same if this were your family.