Marling's Inc.

Review: Marlings([redacted]) was referred to me by my insurance agent at [redacted] thru [redacted] Insurance( [redacted]). Marlings was supposed to perform mildew removal from ceiling and wall .They removed the shower vanity and floor and replaced them when the insurance company([redacted])requested photographs and details Marlings said their project manager is no longer with the company and could not provide anything to them ,After speaking with adjusters I was told the repairs done by Marlings went beyond the necessary repairs and were unapproved because original amt approved was $1,569.83 and the amt Marlings billed the insurance company was $ 5508.44 naturally because Marlings would not comply with the insurance numerous requests for details and photos and because they did unauthorized repairs that went beyond the needed repairs [redacted] insurance declined payment ,To make matters worse Marlings referred the debt to me saying I am responsible for the debt. From the very beginning I advised my [redacted] agent [redacted] to please refer me to a company that would do the work for the amount that the insurance would authorize/pay. Marlings has now increased the debt to$6.885.55 to make matters worse I recieved a letter from [redacted]t ([redacted] giving me 30 days from Oct 10,2014 to pay balance in full . I have even contacted the Insurance Commissioner who"s only response was the Insurance company will contact me

point of contact at Insurance Commissioner [redacted].. [redacted]) I truelly feel that Marlings purposely made unauthorized repairs in order to inflate the cost of repairs and feel I should not be held liable for their disregard of the policy and procedures used when working for a Insurance company,Desired Settlement: That I not have to held responsible for the debt.

Business

Response:

[redacted], your [redacted] agent referred you to us because we are a certified mitigation firm with a long and good standing reputation for excellent service and workmanship in our community. I understand that your insurance carrier is taking the position that this is two separate claims and are not covering the damage that you requested we remediate and repair in your rental house bathroom due to a leaking shower head that caused mold damage to your drywall, behind the shower, flooring and sub floor. Their position is that the damage from the leaking roof vent and the damage from the leaking shower head are two claims and you only made a claim for the roof vent leak. During this entire process you gave your approval and were aware of all the damage and repairs that we were making at your request. Our project manager even met you at the tile supply store several times to help you with picking out the tile that you wanted to upgrade the bathroom floor with. At the time it was our understanding that the insurance company was only going to pay for replacing the linoleum but you wanted to upgrade to ceramic tile and you would be responsible for paying the difference in the upgrade. You had many conversations with our staff during this process and you at no time said to us that this was not going to be covered by your insurance, in fact, that the adjuster that you met with saw the mold damage in the bathroom, had photos of the damage and approved the work. I understand that the adjuster you dealt with is no longer with the insurance carrier and the technician we had on the remediation portion of the job is no longer with our company so, unfortunately, there are no photos from either one of them. Your statement that the insurance company requested nformation from us numerous times and we did not respond or comply with any documentation that they requested (besides the before photos that our tech had who is no longer with us) is completely untrue. In fact, just the opposite; if you will recall our technicians and office staff worked with you diligently. In person, when you came to our place of business in tears, not only were we sympathetic to your needs and requests, giving you a disk with what photos we did have, and doing our best to accommodate you, we traded many phone calls and emails because the insurance carrier was not replying to either one of us! You filed your complaint with the Delaware Department of Insurance because the insurance carrier was not responding to you and denying the coverage you were seeking. Not because we didn't do our job or went beyond the scope of work you requested. We took on this job with the good faith agreement that we would be paid for our work. We even changed our normal protocol on getting a credit card payment guarantee from you because you said you didn't have a credit card. The original amount approved by your insurance company of $1,569.83 was for the mitigation of your claim for the damage caused by the roof vent leak. The balance of the amount due to us is for the repairs made in the bathroom due to the mold problem you had in there and asked us to remediate and repair. You stated to me many times that you could not have the tenant living in those conditions due to the mold and your liability. To date you have received payment from your insurance company and we have not received one cent from you for anything! This situation has been going on for months and we tried our best to work with you and your insurance carrier to help you get payment from them. Our contract was with you, not your insurance carrier. Any business has the right and expectation to be paid for the materials and work performed for your benefit. We have not benefited at all, you have. Of course we would turn your account over to our collection attorneys for payment and you should be responsible for those fees as well.