Could Geico help with a hotel room?
Last weekend, my husband started taking down the bathroom wall to make way for a new bathtub, and we found an active leak inside the walls, which has led to significant mold growth. We’re currently waiting for a plumber to fix the issue before we can get assistance from our insurance.
The challenge is that I’m highly allergic to mold. Although we’ve sealed off the bathroom and aren’t using it, I’m sleeping in the bedroom next door and have developed painful rashes on my face along with severe fatigue. I’m wondering if Geico would consider this an uninhabitable living situation and whether I should request a hotel room. My daughter is also allergic and has been itching all over, even though she sleeps two rooms away. Last night she had to take Benadryl due to an itchy throat.
Update: It’s not just a mold problem; there’s severe water damage that’s caused the subfloor to buckle, necessitating its replacement. Our adjuster informed us we would receive coverage once the leak is fixed.
This situation isn’t about wanting a bathroom remodel; my husband and I are quite handy and intended to handle this ourselves. However, needing to replace all the drywall and subfloor due to water damage is beyond a typical bathroom renovation.
I’m really sorry to hear about the situation you’re in. It sounds very stressful, especially with your allergies and your daughter’s reaction. Given the severity of the mold and water damage, it’s definitely worth reaching out to Geico to discuss your situation.
Insurance companies often consider living conditions uninhabitable if there are health risks involved, like what you’re experiencing with mold contamination. Be sure to explain clearly how the mold and water damage are impacting your health and the urgency of needing a safe place to stay, especially for your daughter.
Make sure to keep records of any communications with Geico, and if you can, get a letter from your doctor about your allergies and the need to avoid mold exposure. This can strengthen your case.
It’s also good to check your policy details, as coverage varies by individual plans. Ultimately, advocating for your health and your daughter’s well-being is really important. I hope you get the assistance you need quickly!