If you live in an apartment or a home that has been found to be contaminated by mold due to no fault of yours, then you might have a good reason to speak with your landlord about the problem. Some landlords are quick to remedy the problem, but some are not and either try to blame the mold problem on you or they try to say that the mold poses no threat to your health or the health of your family and pets. No matter what they say, if you want to get any benefits from them, you will have to dispute anything that says mold is not a threat to you or that it is your fault. Agree that it is no threat or that it is your fault will get you absolutely nothing.
If you have to, you can even quote the Holy Bible on the fact that mold was considered to be a threat to the health of people and their animals in ancient times. It was common practice to visit a rabbi if you believed that your home was contaminated by mold and if it was found to be so by the priest, then everything in your home was removed and thrown into an “unclean place” far from where any people lived so they would not suffer from the contamination. The house was shut up for 7 days, says the scripture, and after that period of time had passed, the rabbi returned and re-examined the house. If it was still found to be diseased, the entire house was torn down and all building materials were taken also to that same “unclean place”. If you had any clothing that you thought might be infected, you were to take it to the rabbi, as well. If he deemed them unfit, then they were to be thrown to that unclean place, also.
It is also thought that the last plague of Egypt could be attributed to mold-contaminated food that had been stored underground to save it from the plague of locusts. The oldest Egyptian children of that time were given two portions of their meals and would have likely consumed enough of the molded food for it to make them sick at the very least. Jewish children were not afforded this and nor did they consume the same foods that the Egyptians did.
Be careful what you agree to when speaking with your insurance claims adjuster. Even if you are not Christian or Jewish, you can still quote these scriptures as evidence of mold being seen as a “disease” in times long past.
Thursday, January 31, 2008
Household Water Damage Prevention Tips
Water damage is something that no homeowner wants to have to deal with, but many times it is just a fact of life. Whether it is a flood, excessive rain, or even something as devastating as a hurricane, sometimes water damage cannot be helped, but what about the water damage that occurs to our homes that are simply accidents? Or something that we have just overlooked for far too long? There are quite a few things that you can to in order to keep water damage from impacting your pocketbook, but for them to have any affect, you have to remain vigilant.
Cleaning out your rain gutters as soon as the leaves stop falling in autumn is a pretty good idea. What your rain gutters do is keep the rain that falls on your roof from simply falling to the base of your home and settling there. Allowing water to settle around the base of your home will eventually cause it to sink into the ground, doing damage not only to the structure of the house, but also to the home’s value, as well. Another way to prevent this kind of slowly occurring damage is to make sure that the soil around the foundation of your home is piled up against the house at an angle so water drains away from the foundation naturally. Keep downspouts clear of leaves and sticks, as well, and make sure that the bottom of the downspout has gully that drains the water coming out of it away from the home.
Making sure the plumbing that leads to your dishwasher or to your clothes washer is of good condition. You should not have to replace these hoses very often, maybe around every 4 to 5 years, but hoses of poor quality can rupture and leave you with a huge mess, especially if you happen to be out of the home at the time it bursts. Clean up any spills as quickly as possible, but if the floor in your kitchen is hardwood, the best thing to do is just soak up whatever water you can with towels. If you have a vacuum used to draw water up, such as a carpet shampooer, you can use this to get some more of the water out. Do not use artificial heat to dry your floor, because this can cause the floor to buckle or cause what is called “cupping”.
Something else that you can do is install a vent in your bathroom and kitchen. This allows the steam that builds up from cooking or bathing to escape the house and not be absorbed by your walls and ceiling.
Cleaning out your rain gutters as soon as the leaves stop falling in autumn is a pretty good idea. What your rain gutters do is keep the rain that falls on your roof from simply falling to the base of your home and settling there. Allowing water to settle around the base of your home will eventually cause it to sink into the ground, doing damage not only to the structure of the house, but also to the home’s value, as well. Another way to prevent this kind of slowly occurring damage is to make sure that the soil around the foundation of your home is piled up against the house at an angle so water drains away from the foundation naturally. Keep downspouts clear of leaves and sticks, as well, and make sure that the bottom of the downspout has gully that drains the water coming out of it away from the home.
Making sure the plumbing that leads to your dishwasher or to your clothes washer is of good condition. You should not have to replace these hoses very often, maybe around every 4 to 5 years, but hoses of poor quality can rupture and leave you with a huge mess, especially if you happen to be out of the home at the time it bursts. Clean up any spills as quickly as possible, but if the floor in your kitchen is hardwood, the best thing to do is just soak up whatever water you can with towels. If you have a vacuum used to draw water up, such as a carpet shampooer, you can use this to get some more of the water out. Do not use artificial heat to dry your floor, because this can cause the floor to buckle or cause what is called “cupping”.
Something else that you can do is install a vent in your bathroom and kitchen. This allows the steam that builds up from cooking or bathing to escape the house and not be absorbed by your walls and ceiling.
Dealing With Landlords and Insurance Companies About Mold
Whether you rent an apartment or own your own home, mold can be a huge problem to have to deal with. Insurance claims adjusters will usually deny your claim simply because the vast majority of homeowner’s insurance policies simply do not cover the cost to remove mold from the home. Landlords presented with a mold problem in one of their units or in the home that they are renting out are sometimes quick to blame the problem on the tenant rather than admit that the problem is structural or was there before the tenant moved in.
There are a few insurance adjusters that will try to trick you into saying that mold has been around for millennia and that it is not the health threat that people are saying that it is or that the mold contamination in the home is somehow your own fault. If the infestation is obviously not your fault, do not say anything that suggests that it might be. If he/she claims that mold is not a problem like people say, point at the Bible. The scriptures in Leviticus 14:39-49 clearly tell how dangerous mold was considered to be in the time of ancient Judaism and tell how the homes were considered to be “diseased” or “plagued” by mold. It also tells just how these contaminated homes and belongings were dealt with. The rabbi inspected these buildings and determined what was to happen to them and the basic procedure was to remove all belongings from the home and take them far away from the village and people, to shut up the house for a week, and to examine the home again. If it was still not free of contamination, it was torn down and a new one built.
Landlords should be told the same thing if they tell you that mold is not a health threat. You need to provide the landlord proof that there is a problem via mold testing. The burden of proof is on you, not them. Test the home yourself and send a copy of the test results to the landlord via certified mail. If he/she does not respond, send another letter saying you are withholding your rent until the problem is fixed. Lastly, if that was ignored, send yet another letter via certified mail stating that you are re-locating and seeking legal action.
There are a few insurance adjusters that will try to trick you into saying that mold has been around for millennia and that it is not the health threat that people are saying that it is or that the mold contamination in the home is somehow your own fault. If the infestation is obviously not your fault, do not say anything that suggests that it might be. If he/she claims that mold is not a problem like people say, point at the Bible. The scriptures in Leviticus 14:39-49 clearly tell how dangerous mold was considered to be in the time of ancient Judaism and tell how the homes were considered to be “diseased” or “plagued” by mold. It also tells just how these contaminated homes and belongings were dealt with. The rabbi inspected these buildings and determined what was to happen to them and the basic procedure was to remove all belongings from the home and take them far away from the village and people, to shut up the house for a week, and to examine the home again. If it was still not free of contamination, it was torn down and a new one built.
Landlords should be told the same thing if they tell you that mold is not a health threat. You need to provide the landlord proof that there is a problem via mold testing. The burden of proof is on you, not them. Test the home yourself and send a copy of the test results to the landlord via certified mail. If he/she does not respond, send another letter saying you are withholding your rent until the problem is fixed. Lastly, if that was ignored, send yet another letter via certified mail stating that you are re-locating and seeking legal action.
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