Insurance Company

Home Insurance Company

Q. How can I get my home owners insurance company to reimburse me for all the things we have done inside our home per doctors orders to rid our home of bad air quality, and thereby improving my life, such as pulling up all carpets and putting down wood flooring, changing out duct work in attic, putting in new whole house air purification system with UV light, new furnace, etc.? [April 8, 2002]

A. In order to collect on an insurance policy, there must be an insured peril that your insurance policy specifically covers and that is NOT excluded in the fine print of the policy. Besides being an insured peril, the problem usually has to be "sudden and accidental" and something that happened on a specific date or during a narrow time range that you can prove to the satisfaction of the insurance claims adjuster. Improving your home under a doctor's orders to rid your home of allergens is probably not covered in your insurance policy. To find out for sure, seek out the assistance of a public insurance adjuster or an insurance attorney to study your policy and your situation. A public insurance adjuster represents only you in trying to collect from an insurance company [on a commission basis].

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