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In 2000, the insurance industry became the target of a stealth attack by one of the most innocent appearing terrorists of all time. Mold crept upon insurance companies in Texas wreaking unheard of financial damage to carriers large and small. What the folks in charge did about it. Reeling from the shock of an insurance disaster more costly than the Chicago Fire, more disruptive to the industry than Hurricane Andrew, insurance companies failed to react appropriately. The State’s regulatory agencies did little to help and the State’s courts made a bad situation worse. If the shock to the insurance industry was bad, it was devastating to Texas homeowners. Insurance rates doubled and in some cases tripled over the "pre-mold" rates. No one knew how to respond to this quiet storm spreading across the state. But those whose business it is to get into other people’s pockets knew what to do. And the people who are supposed to keep us informed? The hysterical and irresponsible manner in which events were reported by the media fueled an already growing fearful public. And now, the mold hysteria continues its spread across the nation. Maybe the most important lesson to learn from the "mold scare" is that we must pay attention to what government and big business are up to at all times. An informed public can shop for, buy and understand insurance policies. It is, after all, just a matter of reading. Knowing the right people to contact and effective ways of dealing with insurance representatives and government regulators will save you money and peace of mind. This is the Mold story, from the history of insurance to cleaning up and getting life back to normal, in a relaxed, easy-to-read style. It is also the story of protecting your home and your valuable personal property with insurance. It is a guide for the reasonable, intelligent and prudent handling of your insurance matters. Take advantage of this risk free offer. Cargo Publishing wants you to be happy with your purchase of this book. If you are not, and you purchased the book directly from us, please accept this unconditional guarantee: If the guide is not informative - if it is not helpful to you in handling your claim or the claim of a friend or family member, return the undamaged book for a full refund of the purchase price, no questions asked.
Recommended by . . . Mark Hanna, Insurance Council of Texas, says: "Here is a book which truly comes straight from the heart of an adjuster who tells it like it is. It would benefit every Texan to go over a few chapters prior to undergoing any confrontation with their insurance company over a claim" And attorney Houston Watson said: "I enjoyed this very easy to read book very much. It is a must read for any attorney doing insurance work and for every person who owns a home. Mr. Smith hits the nail right on the head as to how things came to be as they are." Small Press Bookwatch, Sept, 2004 After The Mold: It's Your Money Turning To Dust! by insurance claims expert Gordon Smith is an information resource for the lay reader concerning insurance, insured losses, and the claims that arise from them with regard to issues of mold in one's housing. Advice about mold claims and what to do if entangled in the situation, a broad view of the history of insurance, tips on where to stay and eat when one's home is being treated for mold, dealing with "contractors and other scoundrels" and much more fill this superb and money-saving guide for anyone concerned about household mold and the expense of removing it.
About the Author
Gordon Smith has spent 47 years of his life serving the insurance public and has learned insurance claims from both sides of the fence. The author of: Claims: How To Collect Insurance Money Without a Lawyer ; and The Adjuster! Making Insurance Claims Pay, now brings us his third major book on insurance and insurance claims.
Topics Covered in the book - 1. Is mold a killer or a nuisance? Was the hysteria justified or were people tricked into believing the mythology? 2. Does it have to happen? Will mold overtake every house? What can be done about it before a disaster strikes? 3. How do you put your lives back together and get on with things in the end? 4. What are some of the personal and emotional problems which can arise out of insurance disasters? How do you deal with them? 5. What are the most important first steps to take if you find yourself faced with a mold invasion? Is remediation really necessary? 6. Who must you look out for? Who poses a threat to your home, your money and your peace of mind? What happens if you choose to handle it differently from what the "experts" say? 7. What is the theory behind insurance? How much does it really cost and why? 8. How can you find an agent, evaluate insurance companies and buy an insurance policy with confidence and at a reasonable price? 9. Who are the people of insurance? What are they like and how do you deal with them? 10 What are some of the steps to take and procedures to follow during the handling of the claim and the repairs to your home? Don't wait a minute longer. Buy it now! (Back to top)
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