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Home Insurance Question from Louisville, Kentucky
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.
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