On August 17th I had someone in to fix my toilet tank, since a couple of parts had broken. Turning the water off was very difficult, and while turning it back on, the fitting broke and the bathroom flooded. For a while both bathrooms (which share a wall) were flooded. The rest of the week-end was spent sopping up water and buying fittings. The flooding and/or leaking didn't stop until Monday evening, when a neighbor came in, took out the sink from the hall bath (which was some kind of particle board and had absorbed too much water to recover).
The neighbor told me to call my insurance company the next day. I have not yet spoken with an adjuster, just the agent, but yesterday finally called a restoration company, and they have started drying things out. They have cut out part of the hall carpet, placed dehumidifiers in both bathrooms.
My bank account is overdrawn - I spent about $50 on plumbing fixtures, and forgot about one check. That's okay - I have food and am not out of gas yet, and because of Labor Day, my SSDI will go into the bank on Friday. This month I had given a couple of my tiny donations.
But I have a $500 deductible, and the insurance company does not cover mold removal. It will cover the wall where the sink was, but if there is more inside, I will have to pay. This is State Farm Insurance. According to the technician, most insurance companies do pay for mold, but they don't.
That is what I will need help with. I signed papers last night accepting responsibility for my deductible and uncovered expenses. Now I remember why I forget about insurance. But it is nice not to have the mildewing carpet in the hall any more.
I owe so much already to this community, I hate to ask for anything else, but I cannot do this on my own. My paypal address is rmaraport at yahoo dot com.
Thanks.