Originally Posted By: bill platchett
This post was automatically imported from our archived forum.
We recently found mold on the OSB board in our daughter’s attic. The house was built four years ago and the contract specified 9" insulation in the attic. It looks like she only has around 4 inches. The insurance adjuster came out today - you guessed it - no coverage for mold. Only single occurrences.
He did tell us that he could see the water spots on the insulation. The last time we were up there about 12 days ago, it was like a rain forest. However, the weather has gotten a lot colder and the board does not "seem" as wet. But the mold is there. It seems the inadequate insulation has let warm air up from the second floor and caused moisture to form and take over. There are soffit vents and a ridge vent, but I am not sure the ratio of vent to sq. ft. is correct, I just don't know about that. The roof pitch is about 9/12. The drywall has also cracked in a few places. That was supposed to have been caused by the ceiling rafters moving up and down from moisture. Adjuster suggested a "floating" cornice.
In addition her two sons, age 6 & 2, whose bedrooms are below the mold on the second floor, have had some nasty colds, respiratory infections, etc. Calls to the contractor go unanswered. I think he feels "don't feed them they will go away."
Should we contact an attorney, has anyone had any experience with this? Is the statue of limitations up, or can we do something under the FTC section 460.1? Is there now a 12 year statute for some problems.
Anybody have any ideas for a somewhat bewildered pair of grandparents?