Contractors Screwed me Over…Now What?
Modular Home Pictures July 12th, 2009I bought a home (trailer, modular, whatever) and I complained to my mortgage company about a crappy shower. They hired a company to come in and replace it. They misinstalled the shower, causing mold in 3 diff rooms due to seepage over the course of a year or more, but it was not noticeable since it was in the floors and walls. Until my floor fell through… I complained and threatened to sue them and they hired and chose another company to come in and fix it. Due to prepping for the winter, a handyman found mold under the home and discovered they never replaced the moldy floor, they just built a sub-floor over it, and left the moldy chunks of wood between the original floor and the insulation…which they never replaced. Bottom line-I have mold throughout the underside of my home. I have taken pictures and submitted them to the mortgage company. I have contacted an attorney, but it does not look good. This is my 3rd year living here, but it has been an issue throughout this time. What are my rights since the mortgage company did the choosing and the hiring? I MUST be protected SOMEHOW. My insurance refused my claim also. What do I do from here?
Thank You
The issue is a big deal with me. I have severe mold allergies. I am in Michigan, and it is a very humid state, and we get black mold. It is not like a little mold on cheese…Cut it and it is good to go. My walls and floors and the air I breathe is affected. It can cause severe long-term health issues. They exposed my home (the contractors) to the spores. That is kind of a big deal. 1/3rd of my home at least is affected…and I have no where else to go. Thank you everyone, and I will email you in California…
July 12th, 2009 at 8:27 am
~~I wish I knew what state you lived in. In California you have a very easy remedy. Please email me through Y/A if you do and I will be glad to tell you how to get this fixed quickly. California has securities in place for the consumers.
If you live outside of California, check your State’s Contractors Licensing board. If a contractor has to have a bond in your state, you can file on their bond, and the bonding company will force them to clean up this mess. If not the contractor is out of business.~~
July 12th, 2009 at 8:27 am
The contractor did the work – you have to sue the contractor – not the person who hired them.
July 12th, 2009 at 8:27 am
Contractors have to be bonded , was it an unlicensed handyman the first time ? Then the Mortgage co would be the contractor .. You may have to fight and fuss ..
July 12th, 2009 at 8:27 am
I think your mortgage company was being nice they didn’t need to pay to fix your home, you do.If you want to take the contractor to small claims court then you can do that yourself no attorney is needed for such a small claim.Don’t make things out to be a big deal file the claim on your own.I didnt mean the mold was not a big deal.
July 12th, 2009 at 8:27 am
Mortgage companies don’t "maintain" or "fix" your house.
You’re not protected. You can try to sue the guy that did the "faulty" repair. That’s about it.
MOST mold, is not the scarey toxic black stuff you hear about. As long as this is normal mold, just the fact that you have allergies, doesn’t make the house uninhabitable. Yes, it’s a big deal, but only for YOU.
Your only bet is to see an attorney, hire them to sue the handyman. Good luck on that. You’ll be paying the hourly fee.
But the "mortgage company fixing" it just doesn’t make any sense to me. Mortgage companies don’t do that.
Yep, bad stuff happens. That doesn’t mean someone ELSE is going to pay for it. Welcome to home ownership.