MOLD INFESTATION-It could happen to you!


Brought to you by A QUEST for Public Adjusters LLC

“Public Adjusters Represent the Insured Exclusively”

Richard K. Bahena, Claims Consultant

Questadj@gmail.com or 915-252-9184

Saginaw Township family displaced by black mold faces expensive fix

Published: Friday, June 08, 2012, 6:30 PM

By Brad Devereaux | bdeverea@mlive.com

Brad Devereaux | The Saginaw NewsTanikya and Hurley Coleman.

SAGINAW TOWNSHIP, MI — While working to pay off a home they have lived in for nearly two years, a young couple was shocked to learn in April that they were sharing the space with black mold.

Hurley Coleman III, 28, and his wife, Tanyika Coleman, 32, found the mold when their old and corroded pipes burst early this spring. After inspections from mold experts and a visit from the health department identifying the mold as the toxic variety, stachybotrys, the couple and their three children were told to move out for their own safety.

“There are different types of black mold,” she said. “This kind releases toxin into the air that can cause neurological and respiratory damage.”

The Colemans lived in the home with their three children, ages 15 months to 8 years old.

Tanyika said the baby has been sick most of its life and the couple did not know why, but now they believe it is because of the black mold. She and her husband had flu-like symptoms after they moved into the basement for a period of three days, nearby where they later found the mold growing.

Tanyika, a medical assistant at a pediatric office, said she began researching stachybotrys and found it can be fatal in some cases involving infants.

“We can’t take that risk,” she said.

Much of the mold they found is inside the walls, Tanyika said, and experts told them there is no way of knowing how long it has been there.  Neighbors told them the home flooded several times before the couple moved in and they wonder if that, along with corded pipes in the wall, could be to blame.

View full sizeThe Colemans put on masks to protect them from breathing in toxins released from the black mold before entering their home Friday. They were there to meet a mold expert.

Tanyika said one of the exterior doors lets water into the house and the sump pump doesn’t work right. They had the home insected before they moved in, but they didn’t have it checked for mold.

The insurance company said they would pay $4,000 to replace carpet and drywall, but they don’t cover other costs related to mold. That amount is just a small portion of the estimated $30,000 the family will have to pay, with up to $10,000 for mold cleanup and about $20,000 to rebuild the basement.  (A Public Adjuster may be able to help these people, we have contacted them)

The family still owes about $40,000 on the $60,000 home they moved into in September 2010, Tanyika said.

She said The American Red Cross couldn’t offer them assistance and they don’t qualify for low-income assistance to get the problem fixed.

The couple said they don’t know where they are going to get the money fix the home, and they are considering moving out even though they like the neighborhood and the home.

The couple is consulting with a lawyer to see if they can take action because the previous flooding that neighbors told them about was not disclosed by the previous owners during the sale, Tanyika said.

Hurley, a minister at World Outreach on Bay Road, said he doesn’t want to ask the church for help because he knows there are many other families who need the support.

They are hoping to find an organization that can help them with the financial burden of the problem, but haven’t had luck so far. Anyone who would like to contact the family can email them at hjcoleman3@gmail.com.

For now, the Colemans are living with Hurley’s mother, about 10 minutes away from their previous home, and burning a lot of gas bringing kids back and forth to summer school and to other appointments around the neighborhood.

They said the mold problem is a big setback in their plans of home ownership, though they are happy to have discovered it before it caused them serious health problems.

“We had been talking about doing some renovations,” Tanyika said. “We were thinking of what we wanted to do and saving up to get to that point.”

article by Brad Devereaux 989-372-2442

QUEST for Public Adjusters LLC

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Posted in Insurance Help

8 Ebola Terms You Need to Know


TIME

Incubation period: The time between exposure to a virus and when symptoms start to present, which is two to 21 days in Ebola’s case.

Symptomatic: A patient becomes symptomatic when they present symptoms of Ebola, which include fever, muscle pain, headache, sore throat, vomiting and diarrhea.

Contagious: People with strains of the Ebola virus in their blood are only contagious when they are presenting with symptoms (see above). The virus cannot be transmitted before a person is symptomatic, which means that people on the same airplane as Thomas Eric Duncan could not have caught the virus from him.

R0: Also called R-nought, it refers to the “estimated reproduction number for infectious diseases.” Put more simply, it’s a formula predicting how contagious a virus is. NPR has a handy graphic on their site showing that Ebola has an R0 of 2, meaning the likely number of people…

View original post 251 more words

Posted in Health & Beauty

Plants or Plant Parts | See How They Spread | HungryPests.com


http://hungrypests.com/how-they-spread/plants-parts.php?utm_source=sharable-graphic&utm_medium=social-paid&utm_content=shareable-graphic-plants&utm_campaign=Crosby-USDA-2014

Posted in Health & Beauty

Catastrophes are Stressful Enough


Catastrophes are Stressful Enough

When you suffer damage to your home or property, it is devastating.  This is true especially when it is your home as a man’s home is his or her castle.  You work hard to make it into a special place to rest after a long day at work, so when something happens to destroy or damage it… it is personal.  

I have heard far too many  times, not to take it personal when my insurance company says that the damage is below my deductible.  I take it personally when they under value the damage and make me search for the cheapest price and labor to repair or replace my property.  I take it personally when the Adjuster acts callous and thinks the insurance process is a “game”.  I take it personal when I have been paying premiums for years and when there is hail and wind damage to my property, that the Adjuster tells me it is wear and tear and makes up other excuses not to cover my damage.  I take it personally when I pay for a policy that seems to not cover anything.  

Why wouldn’t I?  Wouldn’t you?  

Please comment and share your stories with us.  I think the public needs to know what happens in the real world today to innocent people.  

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Posted in Health & Beauty

First Place -2014 National Kitchen and Bath Association Design Competition/Past Basket Design


Check out this photo from houzz.com- http://houzz.com/photos/9564090

Posted in Home and Garden ideas

Woman Lake/Michelle Fries, BeDe Design, LLC


Check out this photo from houzz.com- http://houzz.com/photos/775355

Posted in Featured Properties & Rentals, Home and Garden ideas

Urbane shingle style Residence/Polsky Perlstein Architects


Check out this photo from houzz.com- http://houzz.com/photos/1541906

Making the best of small spaces.  Great idea for home office

Posted in Health & Beauty

Spicy Green Chili Chicken Enchilada Caserole


Ingrediants:

4 chicken breasts with bone in or boneless

Medium pot half filled with water-put on high and turn down to medium heat when water begins to boil

1 onion diced

1 tablespoon of fresh garlic

1 can of hot rotell

I can of green enchilada sauce (medium or hot) up to you

1 cup of freshly diced green chili (canned will be fine too)

salt and pepper to taste

1 knorr chicken cube

2 cups of your favorite shredded or thinly sliced cheese ( assadero or muenster are my fav)

1/4 cup of olive oil

Saute diced onion in olive oil

Add all ingredients to pot half filled with boiling water and stir in onion and olive oil mixture.  Bring to boil while pot slightly uncovered, turn down to medium heat when begins to boil.  Continue to cook until chicken is tender.  

Preheat oven to 375 degrees

When chicken is tender, turn off pot, set broth aside.  Pull chicken breast onto a plate or large cutting board.  Allow them to cool.  Take one breast at a time, once at room temperature, and pull chicken off bones and  shred.  

Take medium to large baking dish and line with corn tortillas, one layer.  Add your favorite shredded/sliced cheese over tortillas, add layer of shredded chicken.  Take a large soup ladel and spoon broth and mixture from pot over first layer.  Add layer of tortillas and repeat process until you are at the rim of the baking dish.  Add layer of cheese and top with a little more broth from pot.  Don’t over fill the baking dish or when it boils, it will over flow.  

Put in hot oven and allow to bake for at least an hour at 375 degrees.  You will know it is done as it will be golden brown and everything will be melted well together.  Excess broth has now been soaked into all the delicious layers.  Pull out of oven and let stand for about 15 minutes and serve.  

This is a delicious meal that you and your family can enjoy!  Please give us feedback when you have tried it.  

 

 

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Posted in For Families, Special Recipies

Mesothelioma: The Truth About Asbestos Exposure


Mesothelioma: The Truth About Asbestos Exposure.

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Posted in Health & Beauty, Healthy Living, Home Inspections

By: Property Insurance Coverage Law Blog


By: Property Insurance Coverage Law Blog

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Posted in Bad Faith Practice, Insurance Help, Politics

Additional Living Expenses


Claims are confusing to the Insured, what to do with additional living expenses caused by their loss adds more frustration. The attached link is a great article you may want to read.

http://www.propertyinsurancecoveragelaw.com/admin/trackback/294936

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Posted in Bad Faith Practice, Home Inspections, Insurance Help