AboutDenise Expertise I am a licensed Property/Casualty agent in the state of Wisconsin, a Certified Insurance Counselor and a Certified Insurance Service Representive, with a 15+ year background in personal insurance underwriting. I am currently working in the Homeowners and Auto field, and was licensed in Life and Health insurance years ago. I can provide input if you will give me a "one paragraph what`s the story", however depending on the situation, do note that as policy forms and endorsements vary by the state, the information may be general and educational in nature.
Expert: Denise Date: 6/27/2008 Subject: insurance replacing AC and carpeting
Question Will my insurance replace my air conditioning if 12 years ago we found out that it was not installed correctly and that mold and dust is collecting in our carpeting and is making us sick?
Answer Hi Marie-
Your insurance may repair the damages, if they can verify that the cause of the loss was improper installation, but it is unlikely that they will replace the unit itself. You may have exclusions for mold in your policy. This is an interesting one. Make the claim, and let me know how it turns out. The hard part will be proving that that is the cause of your damage, and not something else. Hope this helps. :) Denise
