My home had a roof leak, which caused damage in the ceiling and floors and doors. I fixed the roof. The adjuster came out and assessed we had asbestos in the ceiling and lead in the crown molding. They removed all my ceiling (asbestos) which had my radiated heat inside. I have not had a heater for almost 3 months. They no longer make the heating I had and in California they only allow for clean energy installations.
Every state has fair claims handling regulations that an insurer must adhere to. Should be on the CA Ins. Dept. website. They generally have x number of days to pay a claim once settled, must respond to correspondence within x number of days, etc. If things have gone really awry, you can file a complaint with the insurance department. At a minimum, you will get the insurer's attention really quickly and the claim will be monitored at a higher level within the company until it is resolved.
laureahench said: My home had a roof leak, which caused damage in the ceiling and floors and doors. I fixed the roof. The adjuster came out and assessed we had asbestos in the ceiling and lead in the crown molding. They removed all my ceiling (asbestos) which had my radiated heat inside.
Asbestos removal doesnt happen just like that. What did the adjuster say about payment/coverage for the removal and putting in new insulation when he/she made the assessment (and before someone actually removed the asbestos)?
The asbestos was in the popcorn ceiling. They removed the asbestos by removing my whole ceiling. Which in turn destroyed my radiated heating in the living and kitchen area. I just got the call today that they have approved my request and will be putting in new heating & a/c, since they no longer make radiated heat for my ceiling and CA has new codes for energy efficient products. So, it seems they were shocked that my ceiling was completely removed and a possible error on their part, as they hired the contractor to do the abatement..
I don't know about California, but radiant heat systems are certainly still available (and it is "radiant," not "radiated"). Do some research before you jump right into whatever the contractor is selling. There are a lot of advantages to radiant heat systems, not the least of which is that it is ductless and can probably be more easily installed in your home if you don't already have a ducted A/C system.
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