I just recovered my rental house from tenant who cut 5 holes approximately 2' by 3' rectangler shaped through the popcorn ceiling and about 30-40 round holes (about 2" diameter. Insurance company (Liberty Mutual) will not cover the repair as tenant attempted to patch up the holes with blotches of plaster. The insurance only covered 3 bedrooms carpet that also been cut with approximately same 2'x 3' sized holes through the floor and carpet. In getting estimates to repair the damages to the ceilling and replacing the acoutic popcorn on ceiling from contractors, one said that if the acoustics contained asbestos, it is a safety and health issue. My question is if the insurance company are so protective and concern about safety; wouldn't damages from vandalism/my ceilling and asbestos be an issue that should concern them? BTW the house in question was built in 1978 and I plan to have the acoustics analyzed for asbestos. I appreciate any insight that you can give me. Thank you, CB

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.