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Prayers needed for some insurance help! (nbr)

carasizemorecarasizemore member
in Pregnant after a Loss
You might remember me having posted a few days ago about having some mold on our carpet in our upstairs living room...

Well apparently it has been the fridge or something in that area that has been leaking...for a long time. Great. There were water spots under the frige and DH picked up the baseboard behind the fridge and the wood literally almost crumbled in his hands.  Nice. So apparently that water has leaked through the wall and into the living room. I cut the carpet to look underneath and the padding was wet. I couldn't even look at the wood. I just don't want to even know. At this point I'm worried we're going to have to replace that wall, all of the insulation, the wood in the kitchen, and the living, and get new padding, and carpet.  Needless to say I'm kinda worried about the cost...Cant' mold removal get pretty expensive in addition to all of the materials, etc.??  Will home insurance cover any of that do you think? OMG, I hope so....   Mold removal guy comes tomorrow to test it and see what kind it is, how it will need to be removed, etc....

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Re: Prayers needed for some insurance help! (nbr)

  • gallerygirlgallerygirl member

    I could call your house insurance right away... sometimes it is covered and sometimes it is not. They may send their own person to assess it. Mold is one of those things that takes a long time to develop, so reporting it is tricky. If it is has been a long period of time, they will try their best not to cover it since the immediate action was not reported (like a pipe burst or something). Give them a call and try though... you never know how your policy may be set up.

    You need to stay away from the mold. It is extremely toxic and not good for you to be breathing. You will probably need to leave when it is being replaced. If you can, avoid being at home as much as possible right now. Your baby does not need to have your breathing that junk in. 

    GL! I know what a stressful situation this is!

    bfp #1 - 8/17/2008, natural m/c 8/25/2008, EDD 4/21/2009 bfp #2 - 10/6/2008, hb stopped at 7 w 3 d, d&e on 11/7/2008, EDD 6/19/2009 bfp #3- 3/14/2009.... stick, baby, stick!!!! (14 dpo - hcg 188, 16 dpo - hcg 421, 24 dpo - hcg 14,760!, 4/2 healthy HB of 130 bpm, 4/16 HB of 178 bpm!) bfp #4- 2/2/2011, EDD 10/17/2011 Baby Birthday Ticker Ticker
    BabyFruit Ticker a bfing, cding, wah momma Congrats to my buddies Tiffanylaw06, Jeny M & burghbaby!
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  • jen-dalejen-dale member
    Oh Cara, I'm sorry! What a mess! Definately call your insurance ASAP and at least give them a heads up. Sometimes they  would also check and see if your fridge has any recalls on it for leaking....
    Oct 2008 m/c #1 5 weeks, May 2009 m/c #2 4w5d. BFP 6/23/09 EDD 3/8/10!
    You gain strength, courage and confidence by every experience in which you stop to look fear in the face. -Eleanor Roosevelt
    After 1 year of TTC#2 BFP May 2011 m/c #3 4w2d. Off to RE.

    Round 1: Femara + Ovidrel +TI = BFP! EDD 2/20/12
    Lilypie Third Birthday tickers Lilypie First Birthday tickers
    2IF does not always equal 3IF...Surprise!
    Lilypie Maternity tickers
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  • pabearepabeare
    This happened to my mom and insurance paid it all minus the deductible which was $500.00. Good luck with it.  
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