INSURER FRAUD, BAD FAITH, NEGLIGENCE,TOXIC EXPOSURE Report: Statistics and Facts
By Linda Ayres September 21, 2022 – Yucca Valley, California
I’ve learned a great deal about microbial growth, toxic exposure and various species and dangers of molds and mycotoxins since my roof blew off on February 2, 2019 and the handling of the claim by State Farm caused not only catastrophic damage to my home and contents, it caused life threatening toxic exposure.
65% of the roof blew off, State Farm told me that coverage required use of their assigned preferred vendors.
The first set of vendors made a huge toxic mess, and the out of state desk adjusters had organized, handled and negotiated everything, from the assignment of the general contractor, assignment of a second restoration/mitigation company, a TPA and an environmental company that was requested to provide a “mold clearance” and apparently State Farm chose a “mold inspection” that came back pretty clean as a whistle, AFTER 40 DAYS OF UNMITIGATED WATER INTRUSION THROUGH THE ROOF, LIGHT FIXTURES, DOOR JAMS AND EVERY NOOK AND CRANNY AND UNREMEDIATED WATER DAMAGE.
Don’t most of the industry vendors suggest that mold growth can begin as soon as 24 hours if not properly dried? So how could 40 days of pouring rain inside an unroofed house not be the cause of catastrophic life threatening toxic exposure?
Look at this revised/amended August 8, 2019 report, in response to policy holder inquiries about what the heck does “Unacceptable*” mean by industry standards… sure looks like a cover up of the mess of their March “mold clearance” with a little more ‘extend and pretend and hope she dies’ delay tactics.
The thin plastic tarp did not keep the rain out. The adjusters and the agent were apprised repeatedly that the vendors were destroying the property, and that there was clearly insurance fraud taking place, evidence provided to all counsel. State Farm paid out over $101,000 to cover up these actions. Policyholder lived in the uninhabitable house through the 2020 lockdown, without walls, insulation or flooring, and after a significant remediation after 95% demolition in early 2020.
Second build back was not possible until 2020, and without funds, the property has not been restored to pre-loss condition, but it is habitable. The policyholder has still been poisoned and recent tests suggest significant toxins still causing health complications, including but not limited to neurological and skin.
What would you do if your insurance carrier procured a “mold inspection” rather than a “mold clearance” upon which to base authorization to build back a 65% demolished interior?
What would you do if your insurance carrier knowingly deceived a policy holder that use of it’s premier services vendors were required for policy coverage, and fraudulently sent “welcome” letters to the program nearly 30 days after the loss?
What would you do if your insurance carrier knowingly authorized build back over a demolition site that could not have been properly dried nor remediated as the second-on-site assigned contractor spent only 1/2 the allocated amount for ‘dry out’ and reported the job complete before a roof had been replaced, and multiple wind, rain and snow storms preceded and followed the alleged completion.
HOW COULD A MOLD CLEARANCE BE PROVIDED TO A SITE THAT HAD BEEN WATER SATURATED FOR APPROXIMATELY 40 DAYS, WITHOUT MITIGATION OR REMEDIATION? SOUNDS LIKE MAGIC OR HOCUS POCUS?
A small flat roof loss was turned into a catastrophic property damage and life-threatening claim…and the carrier told the Department of Insurance that they handled the claim correctly. In California, apparently DOI allows the accused to conduct their own investigations.
Look at the lab report attached… you don’t have to be a scientist to see the scientific improbability of a house that had water intrusion for approximately 40 days… FROM THE TOP OF THE ROOFLESS HOUSE — NOT A LEAK — A DOWN POUR…
A junior high school student could see the conflicts of evidence and reality and science.
2019 3-18 – Acceptable Baseline Mold Report – Ayres Property AEG 3-17 AND 18-19 – Acceptable Baseline Mold Report – Ayres Property
See the amendment to the report, above.
POLICY HOLDER OBTAINED 8 ADDITIONAL PARTIAL AND FULL HOUSE ENVIRONMENTAL TESTS OVER THE COURSE, WHEN AFTER A SECOND DEMOLITION IN 2020 AND A SECOND BUILD BACK IN 2021 STILL SHOWED SIGNIFICANT TOXIC EXPOSURE, EVIDNECED IN THESE 6/23/2020 MOLD INSPECTION SCIENCES REPORTS
6/23/2020 MOLD INSPECTION SCIENCES
At a glance, in addition to the November 2019 report mold species of:
The additional reports done since March 2019 also include these species
Smuts, Periconia, Myxomycetes
This report was 3 rooms, sampled twice, 3/17 & 18 (suspicious) and final reports shows outdoors only Cladosporium and Odium;
Indoors shows no contamination other than Background debris, hyphal fragments, pollen, skin cells. Same company performed the 8/20/19 full-house report that also required an addendum to explain their Unacceptable* air quality readings with no recommendations for remediation other than surface cleanings.
It was THIS report that gave the green light for build-back, and upon which the insurance company has put life at risk, and ruined my home, as it looks today.
Reviewing the series of reports certainly tells a fresh story and while I have no real idea of what all the types of molds are, or their consequences, it sure looks like the ‘readers in white coats’ could conveniently miss a few spores if they are working on behalf of an insurance company, relying heavily on a defense of plausible deniability.
It has taken me this long (since June 2019) to even begin to fathom the extent of damage and harm, and how to begin to look at this reports.
Got Water Damage? Mycotoxins? What about those BILLABLE DEFENSE LAWYER HOURS….. #JakeSaysMEH?!!!
2020 Lockdown — no place to run/no place to hide… Could a year of dry-out been a God-send in disguise, and rendered the house safer? One inspector scared the daylights out of the policy holder and said, “If State Farm ever settles with you, bulldoze this house. You’ll never be safe in it.”
A friend recently said, “That’s non-sense. Everything is fixable” — a new mold inspection report was just done.
Many of the same toxic species were counted in the two-room test; it was suggested I proceed with another full house inspection, and discuss the results with the physicians involved.
WOULD YOU DO IF YOU WERE 70 YEARS OF AGE, UNMARRIED WOMAN WITH DISABILITIES, UNABLE TO FIND LEGAL REPRESENTATION IN THE STATE OF CALIFORNIA, AND UNWILLING TO TAKE THE ADVICE OF ‘CUT YOUR LOSSES, IT’S ORGANIZED CRIME. THEY WIN. POLICY HOLDERS ALWAYS LOSE’…
AT THE END OF 2021, ONE CONTRACTOR GAVE ME A WRITTEN ESTIMATE OF APPROXIMATELY $175,000 EXCLUDING ENGNEERING REPORTS, PERMITS, CODE UPDATES AND ANY ANY FURTHER REMEDIATION OR ROOFING REPLACEMENT. POST-LOCKDOWN, EVERYTHING HAS TRIPLED OR QUADRUPLED?
IT WAS A WIND PERIL…. EVEN THE MOLD THE ADJUSTERS IN CAHOOTS WITH THE TEAMS OF UNLAWFULLY ASSIGNED PREMIER SERVICES VENDORS IS COVERED BY THE POLICY. ASK STATE FARM WHY THEY HAVE NOT RESTORED MY HOME TO PRE LOSS CONDITION AND WHY THEY DON’T A HOOT THAT THEIR ACTIONS NEARLY KLLED ME, AND I’M NOT OK YET.
GOD IS MY STRENGTH AND GOD IS MY PROTECTION.