Will safeco insurance company pay to have air quality test and mold test done in my new home?

Answers:1   |   LastUpdateAt:2012-05-21 10:59:29  

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ã„‘ hate Math
Asked at 2012-05-20 20:59:54
My husband and I have been experiencing constant fatigue constant congestion , and generally not feeling well .... which are the symptoms of mold exposure. Despite taking cold / flu / allergy to a medication, we have not received any help. He recently moved to a house of 8 years old , freshly painted , new carpet . We have seen no visual sign of mold, but are convinced that this house is making us sick . We are concerned that the previous owners may have covered the mold by painting over it and putting it back on Carpent . We have scheduled a certified professional to come out next week to test air quality .

In my policy states that " fungi, wet or dry Rot or bacteria , we will pay up to the amount shown in your policy statements (10,000) for: " . It lists the damage caused by fungi, wet or dry rot or bacteria , the cost to remove it , the cost to rip and replace any part of the building to access the fungi, wet or dry rot , or bacteria and "costs of any air test air or property to confirm the absence , presence or level of fungi, wet or dry rot or bacteria, whether performed before, during or after the removal, repair , restoration or replacement. the cost of these tests will be provided only to the extent that there is reason to believe there is the presence of fungi , wet or dry rot or bacteria. " nowhere in the policy establishes the actual term " mold " , but mold is a fungus , so I'm looking for understanding. Let me know if you have medical problems is considered the " reason to believe there is the presence of fungi , wet or dry rot or bacteria" ? ?
Answer1kiteAnswered at 2012-05-21 10:59:29
No. The insurance does not cover anything that was bad in the house when you bought it. The insurance only covers things that happen to the house after you get it.

And the things you mention are also the symptoms of living in a home that is freshly painted and new carpet, and nothing wrong with that. ( Paint and new carpet have chemicals that can cause these symptoms , for a time , until that age.)
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