"TOXIC MOLD" A Significant Environmental Danger To Public Health

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Nationwide Mutual Fire Insurance, as well as other large Insurers, continue to ignore covered losses under Home Owners policies.

Nationwide Mutual Fire Insurance, as well as other large Insurers,

continue to ignore covered losses under Home Owners policies.

YES, it is the home owners who suffer because of this! For a home owner

to pay premiums to be covered for perils to their homes, and then have

their Insurer try to find ways to ignore/decline coverage has to end!

Legislation needs to be passed to regulate this!

The most prominent situation where this occurs today is when claims

involve Toxic Mold. Nationwide and other Insurers have their adjusters

trained to completely ignore the presence of Toxic Mold. Insurers are

spending money to train their employees on Toxic Mold, and therefore,

are well informed as to the process of identification as well as the

remediation efforts required to get rid of it. One would think that

these Insurers would parlay this information to their policy holders.



Because to date there is no Federal, State, or Local governing agency

that has stepped up to establish limits or standards for airborne

concentrations of mold or mold spores. No Federal, State, or Local

agency has published regulations or standards addressing mold prevention

or remediation. No Federal, State, or Local agency currently offer

testing services for mold samples and mold remediation contractors are

not licensed. In summary: no Federal, State, or Local agency in the

nation has the authority to treat Toxic Mold as a serious environmental

danger to public health.

Do you realize the stress, anxiety and frustration surrounding a public

health danger-Toxic Mold- when our own governing bodies have still yet

to step in and help us? This is not just a home owner danger, but it a

real big problem in commercial buildings and schools.

The Toxic Mold Protection Act of 2001 (SB 732) has been enacted in

California. It is this bill, or a form of it, that needs to be passed

nation-wide. It is this that Chris Clinton is campaigning to have passed

and your help is immediately requested.

The Toxic Mold Protection Act requires the State Department of Health to

convene a task force comprised of individuals including, but not limited

to, health officers, health and medical experts, mold abatement experts,

representatives of government-sponsored enterprises, representatives

from school districts or county offices of education, representatives of

employees and representatives of employers, and affected consumers and

affected industries including, residential, commercial, and industrial

tenants, proprietors, managers or landlords, insurers, and builders, to

advise the department on the development of permissible exposure limits

to mold, standards for assessment of molds in indoor environments as

well as alternative standards for hospitals, child care facilities, and

nursing homes, standards for identification, and remediation of molds.

This bill would require the department to develop public education

materials and resources to inform the public about the health effects of

molds, methods of prevention, methods of identification and remediation

of mold growth, and contact information to organizations or governmental

entities to assist public concerns.


1. The Clinton family files claims with Nationwide for two incidents of

mold in their home in June 2001.

2. Nationwide tells the Clinton's that they are not covered at all for

one claim(despite the fact that an additional premium for a rider above

and beyond their standard policy covered them for the loss).

3. Nationwide sends out an adjuster for the second claim. This

adjuster tells the Clinton's to go to Home Depot and buy a tube of

silicon to prevent further damage. Adjuster completely ignores the

mold damage. 10-12 days later the Clinton's receive a check for $1,400

with no itemization as to what the check covers. The Clinton's then

send a letter to Nationwide requesting itemization(which is required by

law). The Clinton's eventually get a copy of the itemization that the

$1,400 covers. Turns out it was only to replace cosmetic items and not

remediate the mold or address correcting any other problems.

4. The Clinton's decide not to be walked on by Nationwide and hire an


5. The Clinton's are told by their doctor that no one should live in

the house until the mold has been remediated. The Clinton's have not

spent a night in their home since July 2001.

6. Nationwide brings in a Certified Industrial Hygienist to conduct

testing on the home. The report that follows indicates "Massive

Amounts of toxic mold" and specifies plan to remediate it. Nationwide

ignores this report.

7. Since June 2001 to present, Nationwide continues to ignore covered

losses. The Clinton's are borrowing money from family to try and cover

the over $100,000 worth of damage just so they can have their home back.

Contact me at 484-432-4265 or at toxicmold@worldnet.att.net for full

details of this story.

Chris Clinton is one person trying to make the difference for many others whom are

in this situation and he needs the media to help him bring this public.

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