Would Geico cover a hotel room if I requested one?
Last weekend, my husband began tearing down the bathroom wall to install a new bathtub, and we unexpectedly discovered an active leak hidden within the walls, along with significant mold growth. We’re currently waiting for a plumber to address the leak before our insurance can intervene.
Unfortunately, I have a severe allergy to mold. Although we’ve sealed off the bathroom and stopped using it, I’ve been experiencing painful facial rashes and fatigue while sleeping in the adjacent bedroom. Is this condition something Geico would classify as an uninhabitable living situation? Should I consider asking for temporary housing? My daughter is also experiencing allergies and has been quite uncomfortable, even needing Benadryl last night due to throat irritation, despite sleeping two rooms away.
Edit: It’s not just about the mold—there’s also extensive water damage that has caused the subfloor to buckle, which will need to be replaced. Our adjuster informed us that we would be covered for damages after the leak is fixed.
This situation isn’t simply about wanting a bathroom remodel; we’re quite handy and intended to complete this project ourselves. However, requiring a full drywall and subfloor replacement due to water damage feels overwhelming for a typical bathroom renovation.
I’m really sorry to hear about your situation. It sounds incredibly stressful, especially with the health concerns related to mold exposure for both you and your daughter. Regarding whether Geico would cover a hotel room, it’s definitely worth reaching out to your adjuster and explaining your allergies and health issues. If you can provide documentation or a note from a doctor stating your allergies and how they are being affected by the mold and water damage, that could strengthen your case.
Given the severity of the damage and the health risks involved, insurance companies often consider situations like yours as creating an uninhabitable environment. If they agree, they may provide coverage for temporary accommodations like a hotel. Make sure to document everything and keep track of your communications with them. It’s important to advocate for your health and safety. Good luck, and I hope everything gets resolved quickly!