[GSBN] A question about mold and insurance

[strawnet at aol.com]

 See, that's why I wanted to hear from the other John S. too... Seems like we should recommend this course of action - pointing out that there is a far greater and more serious issue with mold with the most common interior finish material in use in the US today - paper-faced gypsum board - and they insure millions of those houses every year. So, since they already exempt mold from their coverage in general, there is no reason to not insure this house. 

I'll ponder this a bit more but would love to hear other thoughts as well before writing back to Wendy with the GSBN input. Thanks!

David


 


 

-----Original Message-----
From: jfstraube <jfstraube at gmail.com>
To: with public archives) Global Straw Building Network (private <gsbn at greenbuilder.com>
Sent: Sat, Oct 3, 2009 5:53 pm
Subject: Re: [GSBN] A question about mold and insurance









Gee David
This is you hearing from me. But I think John Swearingen put it best.This is not really a research question, but a practical "does mold happen more in SB homes" question. Paper-faced gypsum is the mold problem the beats all others based on incidence and probability.

Most insurance policies now include an exemption for mold. Why not add an exemption for the concerned insurance company, and the homeowner knows that they are no longer covered for something that is not a risk.




On 2009-10-02, at 6:53 PM, strawnet at aol.com wrote:


Hi all,





This came to us at DCAT and I wanted to share it here to see if anyone
has information that might help resolve this issue. Obviously the
insurance underwriter has the opinion that sb houses are prone to mold,
so one question is, based on what evidence or documentation or studies?
Of course they are in the driver's seat on this - they can make
unsubstantiated claims and the burden is then on us to disprove them if
we can. It would be good to hear from John Straube on this, as well as
anyone else with information that could help. 





I have told her about the GSBN archives but will try to pass along your
responses to her as well. And I have also copied my reply to her,
asking if it was OK with her that I post this here, to Joyce at The
Last Straw. Thanks for sharing what you all know...


David





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Question: Have you or do you know of anyone who has researched
mold in strawbale houses. I have just been denied insurance because the
underwriter states that sb houses are prone to mold. All my research
over the past 10 years and during the building process is quite the
oppisite, but i need facts to persuade the ignorant. Also my motgage co
would love to cancel my loan if the insurance does not come thru. We
have been with this company for 4 years and 3 of it during the building
process. Are you able to help?



Thank you Wendy


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