Our HO 00 03 05 01 insured suffered severe snow and ice damage to his roof. Water backed up under the shingles and leaked into the unfinished attic. It ruined the insulation and resulted in a very bad mildew smell. The insurer has denied replacement of the insulation, based on the mildew exclusion.

The contractor whom the insurer paid for other work on this claim says that the only way to get rid of the odor is to replace all of the insulation in the attic.

We would appreciate your opinion.

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