Property & Casualty Insurance/drain cleaner spill

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Question
Hi I need help. We used a drain cleaner to open up a clog in a kitchen sink . Immediately after fixing a leak that had been getting the kitchen cabinet wet.(drain cleaner /sulfuric acid )
Cleaner leaked through pipe saturating cabinet and causing hazardous fumes to permeate my house . We have replaced sheet rock, kitchen cabinets removed tile and replaced it. Home has repeatedly made me and my husband and son sick ,House has been aired out for 2 months and is still causing burning and irritation to eyes , headaches and respiratory problems. How do I get rid of the residue from the fumes and what if anything is covered by my homeowners.

Answer
Valerie,

I am sorry to hear about your problem!

I would recommend that you contact a professional company like ServPro, ServiceMaster or BlackmonMooring to come and put air-scrubbers in for a period of time. They will also make sure there are no chemicals left in any surfaces. That will be the only way to get rid of the persistent smell.

Unfortunately, this would fall under the "pollution exclusion" in most homeowners policies and there would not be any coverage there.

Hope this helps ... and let me know everyone is all right!

Kevin Hromas
JD, EGA, RPA, PLCS, HCRI-R/C, CPIU, WIND® Umpire
Kevin Hromas & Associates
... A Division of US Insurance Information LLC
www.KevinHromas.com

Property & Casualty Insurance

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Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire

Expertise

Insurance related issues for both commercial and residential property coverage. I am a licensed, executive general adjuster currently holding a Texas resident P&C license (614250), New Mexico non-resident all lines license (248774), Oklahoma non-resident P/F/M license (A299561), Florida non-resident P&C license (E117051) and a National Flood Insurance Program certification (06040100). My areas of expertise involve property and casualty issues in both residential and commercial policies with regards to claims practices and issues. I deal extensively with Lloyd's of London commercial policies and various domestic carriers for residential policies.

Experience

I am a licensed, executive general adjuster currently holding a Texas resident P&C license (614250), New Mexico non-resident all lines license (248774), Oklahoma non-resident P/F/M license (A299561), Florida non-resident P&C license (E117051) and a National Flood Insurance Program certification (06040100). My areas of expertise involve property and casualty issues in both residential and commercial policies with regards to claims practices and issues. I deal extensively with Lloyd's of London commercial policies and various domestic carriers for residential policies. After a 20 year career as a General Contractor, I was employed by Allstate Insurance as an adjuster in Texas, holding various postitions within the property claims department. After leaving Allstate, I specialized in handling losses associated with major catastrophes through-out the country. (Hurricanes Isabel, Charlie, Wilma, Katrina, Ike, etc., hail storms, floods.) I am currently retained as an expert by multiple insurance defense firms in Texas for issues in litigation in regards to claims issues and practices. I am also a certified Umpire for formal appraisals.

Organizations
Member - Society of Registered Professional Adjusters Fellow - Council on Litigation Management Member - Property and Casualty Association Member - Texas Independent Insurances Adjusters Association Member - National Association of Independent Insurance Adjusters Member - Houston Claims Association Member – Windstorm Insurance Network Member – Association of Property & Casualty Claims Professionals

Publications
Claims Magazine (www.ClaimsMag.com and then search 'Kevin Hromas' for a full listing of articles and quotes.) www.ClaimsPages.com, www.ProAdjuster.org, www.KevinHromas.com

Education/Credentials
JD - University of Houston Law Center - 1992 BA - Southwest Texas State University - 1980 AA - South Plains College - 1977 PLCS - Personal Lines Coverage Specialist

Past/Present Clients
Certain Underwriters at Lloyd's of London, Fulbright & Jaworski (Law Firm) Bracket & Ellis (Law Firm) Thamm & O'Briant (Law Firm) Sheehy, Ware & Pappas (Law Firm) Walker, Wilcox and Matousek (Law Firm) Financial Guarantee Underwriters

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