Mildew Covered on Homeowners?

Q

During the past summer, our homeowners insured's roof was completely blown off during a windstorm. As a result of the storm, water got into the rafters and caused mildew. The water also got into the insulation and, because it was not thoroughly dried when repairs were made to the dry wall, more mildew developed. The insurer has settled the claim for the roof and original drywall repair, but is denying the claim for the new repairs necessary to remove the mildew based on the faulty workmanship and mold exclusions.

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