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Posted by tonyb on November 02, 1999 at 18:09:59:

> we had fire due to electrical malfunction.(more smoke than flame) that went
> through our ductwork throughout the house. Farmers Ins. covered new linoleum
> in kitchen and wallboard. and cleaning of walls and carpet. We still get the
> smoke odor when the house is closed up or humid from the carpet.(not
> constant, but often enough to bother us and the kids) they say they put a
> heat test on it and said they didnt get an odor, therefore will not replace
> it. My wife has M.S. and enough things trigger her spells. Should they
> replace it or who do I contact to get some satisfaction?
> Thank You

How much time has passed since the date of your loss? 60 day time limit
to file Proof of Loss form is not something to ignore. If necessary file
your claim by way of the Proof of Loss form that represents your
substantiated claim (repair estimates, bills etc.)

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