I have a homeowners plus policy and they keep refusing to pay what can I do I believe I will be homeless soon

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jan 11, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Louisville, KY

Asked on 01/11/2019

I have a homeowners plus policy and they keep refusing to pay what can I do I believe I will be homeless soon I was replacing grout in bathroom and a tile cam off and I had extensive mold damage to the wood and contractors came in amd told me my window were put in wrong and my house has been taking in water for years. I have a mold policy but they refuse to pay. They told me I was covered in an email and then came back and told me that they I wasn't. What can I do? I'm devastated

Answer given on January 13, 2019

Homeowner insurance and mold coverage is very restrictive and difficult to settle.  If you have a supplement for mold coverage it is limited in scope and amount of insurance available. 

The homeowner policy has an exclusion for faulty construction, so if the windows were incorrectly installed, the homeowner policy will not pay for the damages, and that probably includes the mold coverage not being covered. The losses suffered were over a period of time, which is also excluded under the homeowner insurance policy.  Losses are for a “sudden and accidental” loss, which this is not.

The adjuster may have not understood the cause of loss when they first said you were covered. As they investigated the claim and the cause of damage it probably became apparent that there was no coverage for the mold or any other damage to the home.  Try to obtain bids from other contractors for the damage in hopes of finding a better estimate to repair the damages. 

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption