Homeowners Insurance Legal Concerns

Summary

Insurance companies can use in-house counsel for claims, limiting agent involvement. Health risks from mold may require legal action. Document all communications and evidence. Consider independent assessments and consulting a lawyer for potential insurance bad faith and contractor disputes.

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Homeowners
Sure, I'd be happy to help. Can you provide a bit more detail about your issue with homeowners? For example, is it related to a homeowners association (HOA), property damage, neighbor disputes, or something else?
First of all is it legal for a homeowners insurance company in nc have its in-house council its attorney be the only one you are allowed to talk to about your claim and also can he tell your agent not to help you in north carolina
It seems you have concerns regarding the handling of your homeowners insurance claim. Here's some general information:
- Insurance companies can have their in-house counsel handle claims.
- They can direct communication through their counsel.
- Agents may be limited in their involvement once legal counsel is engaged.
Would you like to be connected to local lawyers who can assist further?
if you state from day one the concern for your family health and safety and have a two year old autistic nonverbal granddaughter and a daughter without a spleen and also a husband who’s lungs are not good and your were told you had excessive black mold and later get a professional air quality test done which showed * x the normal of aspergillosis pencillium mold spores and Chateomium in the cabinet that is in fruiting stage which means that it is reproducing and very active and your granddaughter has already been to the er several times although not hundred percent sure that the mold caused it but it very well could have and you sent the test to them ask for ale again and they still have done nothing over month later
Case Rating: *
Given the severity of the mold issue and its potential impact on your family's health, it's important to seek legal assistance. Would you like to be connected to local lawyers who can better assist you with your case?
If so, could you provide a bit more information about the issue? For instance, how long have you been experiencing this mold problem?
8 months the insurance comoany has been not wanting to cover necessary repairs in order to have it mitigated properly
Case Rating: *
Given the ongoing issues with your insurance company and the health risks involved, it might be a high value case. Would you like to be connected to local lawyers who can better assist you with your case?
Can you give me a bit more information about the issue?
this all started on May * and I called in a water damage claim I had a company come out here. Their name was storm damage pros they came out here and went into my crawlspace and said that I have excessive black mold and it is very important for us to get out of the house they helped me call the claim and being that I have never called anyone before in my whole life. The company was closed that day so I had to leave a message with after hours answering Machine within five minutes of the company leaving they came back. They called me and they said that they wanted to turn around and come back and put it back in entertainment bar for my family safety so they came out, put a containment bear and told me as soon as I got a claim number that I needed to give them a call, the adjuster came out that Monday and he saw the containment Barry. I gave him the company’s number and soon as he left the company returned to take down the
Case Rating: *
Given the health risks and extensive damages, this seems like a high value case. Would you like to be connected to local lawyers who can better assist you with your case?
Can you give me a brief description of the issue?
in-house council lies and says both adjuster did not see any visa or ,mold which contradicts the mold test and many pictures I have from estimates from the contractors that shows the mold
Case Rating: *
Would you like to be connected to local lawyers who can better assist you with your case?
If so, can you provide a brief description of the issue?
no
Case Rating: *
It sounds like you have a challenging situation with your homeowners insurance company. Here are some steps you might consider:
- Document all communications and evidence related to your claim.
- Consider getting an independent assessment from a mold remediation expert.
- If you change your mind about legal assistance, seeking help from a local lawyer can be beneficial.
If you need further guidance, feel free to ask.
also the contractor the adjuster sent left wet floors that were co deleted then I said I didn’t feel comfortable signing DK for work not complete never said not to pay him per adjuster he told me hand over DK’s. I did as told contractor took lien on my property
Case Rating: *
It sounds like you have a complex situation involving your insurance company and contractor. Here are some steps you might consider:
- Document all communications and evidence related to both the insurance claim and contractor's work.
- Consider getting an independent assessment of the work done and any remaining issues.
- You may want to consult with a lawyer despite your previous decision.
If you need further guidance, feel free to ask.
stressed for three months over this despite multiple text and email to adjuster and in-house council crying out for help being I had no one at all to help me or advocate for me asking for hospdates of what going on etc. the adjuster would say he was waiting on insurance ci pant to send revised amount and finally they did and do not accept. I had no control or information about any of it. Finally I demand they pay contractor I never told them not to
Case Rating: *
Would you like to be connected to local lawyers who can better assist you with your case? If so, could you please provide your phone number?
No
Case Rating: *
It seems like a complex and stressful situation with your homeowners insurance and contractor. Here are some steps you might consider:
- Continue documenting all communications and evidence.
- Seek an independent assessment of the damage and work done.
- Consulting with a lawyer could still be beneficial in resolving these issues.
If you need further guidance, feel free to ask.
what legal charges do you see
Case Rating: *
Given the severity and complexity of your situation, it might be a high-value case. Your case involves potential health risks, extensive property damage, possible insurance bad faith, and a contractor dispute.
Would you like to be connected to local lawyers who can better assist you with your case?
Could you please provide your phone number?