aug 2012 my house was severely damaged by water from faulty plumbing. extensive mold remediation exceeded the $5,000. of my insurance allowance; i had to pay $3,400. The plumbers' insurance company and mine settled for about $55,000 for my insurance company but did not collect my out-of-pocket money because of a clause in the plumbers' insurance policy that prohibited paying for mold damages. my questions are: 1. what is the prospect of me collecting my $3,400. by filing a direct claim with the plumbers insurance co? 2. If not #1, should i file a claim against the plumber for the $3,400? If no. #2, should I do it in small claims court personally or get an attorney who will then be entitled to a portion of the money.
my family was out of our home for more than a year and my disabled daughter suffered severe deteriotion of her mental condition as a result of the disruptions. final question: would i be entitled to any additional compensations connected with this, and if so, what are the basis? Thank you for any help you can give. Garlidene W. King
Answer
IF you have settled with the plumber's insurance company, your claim is ended. You have no further recourse against the plumber.
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