Telling Category 3 Water Fuel Oil Combustion Residue and Asbestos Apart From a Mold Claim
A musty room, a rotten-egg smell, and a house that makes people cough can be different losses. How to separate sewage, heating oil, smoke residue, and asbestos from mold, and which exclusion each one is likely to meet.
Health Complaints Additional Living Expense and the Line Between Taking People Seriously and Practicing Medicine
People get sick, or believe they are, in houses that smell wrong. What the CDC and EPA have said about indoor mold, how to handle a physician's letter, and when additional living expense is owed without diagnosing anyone.
Water Categories Containment and the Narrow Cases Where an Air Test Should Change the Scope
Mold scopes get inflated in the protocol. What has to come out, what can be dried and cleaned, and when a spore trap is worth the cost, using the standards restoration contractors already cite.
How Fungi Exclusions and Limited Mold Coverage Decide Which Dollars on a Wet Wall Get Paid in Full
A covered pipe break and a mold colony in the same wall fall under different parts of the policy. Three files show how the fungi sublimit, the seepage exclusion, and a mixed invoice decide which dollars are paid in full.
How a Wet Wall Becomes Mold Growth and Why the Clock Matters More Than the Species on the Lab Report
Spores are already in the house. Growth starts when materials stay wet, often within two days. Follow a supply-line break from the first hour through the first month, and see what a species list does and does not prove.
