Category Archives: wet crawl space

Insurance Claim Recovery

According to the Associated Press/WABI the Maine Bureau of Insurance recovered the following for Maine’s insured-

Insurance Bureau Recovers $970,000 For Consumers, Businesses

AUGUSTA, Maine (AP) — Dealing with auto, life and other kinds of insurance can be a headache, and one Maine agency is dedicating to helping Mainers sort it out.

The Maine Bureau of Insurance said Mainers made 6,007 calls last year and filed 790 complaints on issues related to insurance. All told, Maine residents and businesses recovered nearly $970,000 last year with the agency’s help.

Mainers lodged 254 written complaints and made about 2,800 inquiries to the bureau’s property and casualty division, which includes auto and homeowners insurance.

Another 636 written complaints and 3,213 inquiries were directed to the consumer health care division, which includes health, life and disability insurance.

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More information: http://www.maine.gov/insurance

The Bureau of Insurance is diligent in assisting policy holders-

State Insurance Regulators Assist Consumers in Recovering Money

Maine insurance regulators say they helped consumers in the state to recover more than $3 million owed to them during the past year. Insurance Superintendent Eric Cioppa says nearly $2.2 million was recovered by the Bureau’s Consumer Health Care Division, and almost $950,000 was recovered by the Property and Casualty Division. Cioppa says most insurers operating in Maine pay claims properly and quickly. But when individuals or business owners contact the state because of a dispute with an insurance company or agent, the state can often provide assistance. Cioppa said the Insurance Bureau fielded almost 9,000 inquiries and more than 900 complaints during 2012.

Basement Mold and Water

Exposed dirt floors in basements and crawl spaces are problematic due to the moisture rising on convection driven air flow. Moisture can reach the upper levels of building through utility chases, voids, and stairways via stack effect http://www.epa.gov/iaq/largebldgs/pdf_files/sec_2.pdf  transporting indoor air contaminants with it.
Including the crawlspace or basement in the building’s overall thermal boundary optimizes energy efficiency and creates more effective moisture control. Encapsulating dirt floor crawl spaces and basements without insulating the exposed subfloor www.myhomescience.com/insulating-crawl-space/ better regulates building temperature.

Basement Waterproofing

Wet basements and wet crawl spaces present problems for the entire building. The key to improving basement moisture is controlling relative humidity.
Moisture vapor rises from dirt floors, on convection driven air-flow, to upper levels. Water that has penetrated foundations will also increase relative humidity and affect the entire building. Basement waterproofing with quality materials will prevent moisture from penetrating encapsulation and increasing humidity.
Elevated humidity increases moisture content in wood building materials. Wet organic building materials (wood, plywood, joists, beams, sills, sill plates, etc.) provide an environment necessary for mold growth. Dry basements and solutions to control wet basements and crawl spaces are fundamental in improving indoor air quality. Healthy indoor air quality begins in the basement or crawl space and moves upward.