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Awaiting ALL the Findings of the State of Missouri Insurance Board...

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We continue to await ALL the findings of the State of Missouri Insurance Board. In the meantime, we continue to hear from more homeowners in our area that have experienced like problems and ask to keep informed of any solutions enacted to stop the on-going storm/sewer water problems that plaque the area. We will update this story as receive more information...

The original story can be found below under the RECAP section in RED below. Take the time to read the story for

THIS COULD HAPPEN TO YOU!


During the late night hours of October 30, 2009, rainwater met a clog in the City of O’Fallon’s sewer main line that runs along Brookfield Lane and 4” of backed-up stormwater flooded our finished basement. All contents in the finished basement were saturated and destroyed including the hot water heater, clothes dryer, refrigerator, two business computers, additional peripheral electronic pieces, a television, dozens of family heirlooms, photos, childrens’ toys, etc. The carpeting and drywall were also destroyed. The losses are tallied at somewhere between $13,000 -$14,000.  

   There is no doubt of the causative factor. The City of O'Fallon pump truck was called out and removed tree roots from the sewer line located over 40 yards away and across the street from our property line. Approximately two – three years prior to this incident, the same scenario happened in the same place causing a sewer back-up in our basement. We caught that incident, as it occurred during daytime hours, and Alliance Water Resources was able to correct the problem quickly, limiting the amount of damage to a few hundred dollars. The claims were paid within a couple days. We have the complete file on this incident in our possession now proving this same problem occurred before and there was prior knowledge of the problem.  This time, we immediately filed a claim through the City of O’Fallon. However, the city’s insurance company, Travelers Insurance denied the claim stating:
 

THE CITY OF O'FALLON MUST HAVE PRIOR KNOWLEDGE
THAT THE BACK UP WAS GOING TO OCCUR FOR
TRAVELER'S INSURANCE TO DEEM THEM LIABLE.

  Their insurance agent, Margaret Loyd, advised us to file a claim with our homeowner’s insurance company. We filed the claim with claims adjuster Susan Wade of MetLife Insurance, our homeowner’s insurance company. Before the explanation of the event was even finished the agent announced the company’s position that they would not cover the claim. The first reason given was:


“If it didn’t happen on your property, we don’t cover it.”

When we didn't meekly accept that answer, she blurted out
“You don’t have sewer back-up insurance”.

(We still await a copy of the actual insurance policy or any documentation we signed back in 2003 that can show we were ever informed that an additional rider was needed for sewer back-up coverage. We will deal with Metlife Homeowners Insurance problem after we receive the requested documents.)

 
  “We decided to alert our community of this travesty of justice by hanging a professionally made sign on the front porch of our home for all passer-bys to read.  We have had a tremendous response to the informational sign we hung in front of our home. We’ve also experienced a shocking lesson in life when dealing with the City of O’Fallon government and insurance companies as VICTIMS of damage caused by the failure of the City of O’Fallon sewer system. We have learned that there are two separate issues that must be dealt with – one is the payment for damages sustained by failure of the City of O’Fallon sewer system. The second, and perhaps most important issue is, correcting the causative factor that caused the damages to stop this from happening again. (I am asking for your assistance with this area of need).
  Over this past week we discovered that several of our neighbors have experienced similar back-ups that were started at the same area of sewer pipe owned by the City of O’Fallon. All the parties have lived in their homes for 20 – 30+ years. All the back up problems began at the same time. The neighbors can almost clock the sewer back-ups into their homes for they have happened two times a year, every year, since a retention pond was built to eliminate storm water drainage from the O’Fallon Walk Shopping Center located at Feise Road and Highway K (2004).
   In spite of the City of O’Fallon/Traveler’s Insurance denial of knowledge of these back up incidents, the homeowners affected state they DID contact the City of O’Fallon in each situation. After each complaint was filed,  the sewer service truck arrived, cleaned out the line and the sewer water went back down their basement drains. Then, the City of O’Fallon systematically denied responsibility and the homeowners were forced to bear the financial losses. As a result of the sewer back up problems, the homeowners have had limited use of their lower levels of their homes and at least one of the homeowners lives daily with mold growing in their basement. The home values have been seriously harmed because of the on-going problem. We asked why they did not fight for what's right. They responded they are sick and tired of fighting with the City of O'Fallon over the issue and gave up.
  I contacted a civil engineer and works as a home inspector. I was advised by this professional that the bacteria content in sewer water cultivates BLACK MOLD in the proper growing environment. Since the neighbor that lives with this added problem fights serious health problems on a daily basis, my concern has grown and my determination is peaked to work to eliminate this problem from ever happening again! And, the awareness that the homeowners contacted the city on several occasions but received no assistance in remedying this long-term problem fuels my determination further.
  I have asked several sources along this bizarre road of irresponsibility, ‘Why is stormwater coming out of our sewer pipes, especially when the retention pond to the north of our subdivision is full?’ City staff denies the possibility. Yet, the Department of Natural Resources and the Environmental Protection Agency personnel I’ve spoken with feel there a realistic possibility this could be happening.  Both feel the city should know why the problem keeps happening. But, the City of O’Fallon claims to know nothing and their insurance company actually states this in writing.
  Though the elected officials profess that they are trying to save taxpayer money, this mistake could end up costing the city dearly. Instead of doing the ‘right thing’ and installing one-way valves in critical problem areas or inspecting the critical areas monthly during the spring and fall when the repeated back-up occur, they’ve chosen to take the “don’t know anything” road of deceit.
  So, to begin addressing the actual problem long-term, I have formally requested a SSO Inspection (Sanitary Sewer Overflow Study) from the Department of Natural Resources for this particular area of problems. I strongly encourage anyone who has experienced the same problems to do the same. Since the EPA is a federal agency that oversees the development of standards and practices for the Department of Natural Resources – this service is not limited to just O’Fallon or St. Charles County problems. This service is available to all Americans! 

  The following is a long list of supportive documentation, letters, elected representative responses and on-going blog that outlines the events and actions after the occurance.




January 11, 2010 -

  We received a response from our SECOND certified letter request for a copy of the original, signed copy of the Homeowners Insurance Policy we purchased from MetLife several years ago and an errors and omission report on the agent that supposedly met with us and  sold us the policy. What we received another denial letter...and a lot more smoke to cover MetLife Insurance Company's actions.

  To clear the newest attempt to confuse the situation:

1.) We were not aware that consumers are expected to request any specific coverage. If this is so, there are many consumers that need to make sure that their policies cover fire, theft, wind, hail, etc. How is the consumer to know they must REQUEST all areas of coverage? Consumers assume they are receiving protection and coverage for their money.

2.) There is no errors and omissions report be cause there never was an agent!  We purchased the insurance over the phone. If there was to be an agent to follow up, it did not happen and the oversight lies with MetLife Insurance and their staff.

3.) MetLife does not have a copy of a signed policy because there never was an agent who followed-up on the purchase over the phone. We were never aware there was supposed to be a meeting.

4.) Now Metlife wants us to materialize a homeowners policy from many years back with a previous carrier. That document could be found in one of the dozens of sewer water drenched boxes that are stacked behind the sign in the above picture. MetLife sent an adjuster out within a week of the incident and the adjuster took pictures and had free access to all damages. MetLife adjuster Susan Wade stated that there was no further need for the damaged items. Then, we had the destruction hauled to the dump. Now they want a document from one of those data storage boxes before they will give further consideration to paying the claim.

Consumers please learn from this and BEWARE! Is your idea of full coverage actually reflected in your homeowner's policy? Please remember...we have the MetLife A+ Plan! Read the small print and try to figure out every possible incident that could happen that may need coverage and request that coverage. (Does anyone have the list of risks commonly hid by insurance companies?)

We will add this to our ever-growing files from this situation and continue to await finding from the Missouri State Insurance Board - Consumer's Division.  

Letter Sent To All Elected Federal, State and County Representatives of  the O’Fallon Area at the end of November 2009:

BE SURE TO READ TO THE END OF THIS ARTICLE FOR THE RESPONSES FROM ELECTED OFFICIALS POSTED IN THE ORDER RECEIVED:

Dear Elected Representative:

  I am writing to you as our elected representative in the O’Fallon area to plead for your assistance with two separate issues. One issue involves the safety of an entire community; the other issue is of an informational and guidance nature. Please read the following factual chain of events. It is written as a story posted on the front page of our on-line newspaper located at www.TheScoopNewspaper.com . www.TheScoopNewspaper.com has an independent audited record of approximately 300,000 hits in November alone.  Earlier reports can also be found in the ‘Consumer Beware’ section of the on-line newspaper. These stories will bring you up-to-date on this injustice:

  “During the late night hours of October 30, 2009, rainwater met a clog in the City of O’Fallon’s sewer main line that runs along Brookfield Lane and 4” of backed-up stormwater flooded our finished basement. All contents in the finished basement were saturated and destroyed including the hot water heater, clothes dryer, refrigerator, two business computers, additional peripheral electronic pieces, a television, dozens of family heirlooms, photos, childrens’ toys, etc. The carpeting and drywall were also destroyed. The losses are tallied at somewhere between $13,000 -$14,000.  

   There is no doubt of the causative factor. The City of O'Fallon pump truck was called out and removed tree roots from the sewer line located over 40 yards away and across the street from our property line. Approximately two – three years prior to this incident, the same scenario happened in the same place causing a sewer back-up in our basement. We caught that incident, as it occurred during daytime hours, and Alliance Water Resources was able to correct the problem quickly, limiting the amount of damage to a few hundred dollars. The claims were paid within a couple days. We have the complete file on this incident in our possession now proving this same problem occurred before and there was prior knowledge of the problem.  This time, we immediately filed a claim through the City of O’Fallon. However, the city’s insurance company, Travelers Insurance denied the claim stating:
 

THE CITY OF O'FALLON MUST HAVE PRIOR KNOWLEDGE
THAT THE BACK UP WAS GOING TO OCCUR FOR
TRAVELER'S INSURANCE TO DEEM THEM LIABLE.

  Their insurance agent, Margaret Loyd, advised us to file a claim with our homeowner’s insurance company. We filed the claim with claims adjuster Susan Wade of MetLife Insurance, our homeowner’s insurance company. Before the explanation of the event was even finished the agent announced the company’s position that they would not cover the claim. The first reason given was:


“If it didn’t happen on your property, we don’t cover it.”

When we didn't meekly accept that answer, she blurted out
“You don’t have sewer back-up insurance”.

(We still await a copy of the actual insurance policy or any documentation we signed back in 2003 that can show we were ever informed that an additional rider was needed for sewer back-up coverage. We will deal with Metlife Homeowners Insurance problem after we receive the requested documents.)

 
  “We decided to alert our community of this travesty of justice by hanging a professionally made sign on the front porch of our home for all passer-bys to read.  We have had a tremendous response to the informational sign we hung in front of our home. We’ve also experienced a shocking lesson in life when dealing with the City of O’Fallon government and insurance companies as VICTIMS of damage caused by the failure of the City of O’Fallon sewer system. We have learned that there are two separate issues that must be dealt with – one is the payment for damages sustained by failure of the City of O’Fallon sewer system. The second, and perhaps most important issue is, correcting the causative factor that caused the damages to stop this from happening again. (I am asking for your assistance with this area of need).
  Over this past week we discovered that several of our neighbors have experienced similar back-ups that were started at the same area of sewer pipe owned by the City of O’Fallon. All the parties have lived in their homes for 20 – 30+ years. All the back up problems began at the same time. The neighbors can almost clock the sewer back-ups into their homes for they have happened two times a year, every year, since a retention pond was built to eliminate storm water drainage from the O’Fallon Walk Shopping Center located at Feise Road and Highway K (2004).
   In spite of the City of O’Fallon/Traveler’s Insurance denial of knowledge of these back up incidents, the homeowners affected state they DID contact the City of O’Fallon in each situation. After each complaint was filed,  the sewer service truck arrived, cleaned out the line and the sewer water went back down their basement drains. Then, the City of O’Fallon systematically denied responsibility and the homeowners were forced to bear the financial losses. As a result of the sewer back up problems, the homeowners have had limited use of their lower levels of their homes and at least one of the homeowners lives daily with mold growing in their basement. The home values have been seriously harmed because of the on-going problem. We asked why they did not fight for what's right. They responded they are sick and tired of fighting with the City of O'Fallon over the issue and gave up.
  I contacted a civil engineer and works as a home inspector. I was advised by this professional that the bacteria content in sewer water cultivates BLACK MOLD in the proper growing environment. Since the neighbor that lives with this added problem fights serious health problems on a daily basis, my concern has grown and my determination is peaked to work to eliminate this problem from ever happening again! And, the awareness that the homeowners contacted the city on several occasions but received no assistance in remedying this long-term problem fuels my determination further.
  I have asked several sources along this bizarre road of irresponsibility, ‘Why is stormwater coming out of our sewer pipes, especially when the retention pond to the north of our subdivision is full?’ City staff denies the possibility. Yet, the Department of Natural Resources and the Environmental Protection Agency personnel I’ve spoken with feel there a realistic possibility this could be happening.  Both feel the city should know why the problem keeps happening. But, the City of O’Fallon claims to know nothing and their insurance company actually states this in writing.
  Though the elected officials profess that they are trying to save taxpayer money, this mistake could end up costing the city dearly. Instead of doing the ‘right thing’ and installing one-way valves in critical problem areas or inspecting the critical areas monthly during the spring and fall when the repeated back-up occur, they’ve chosen to take the “don’t know anything” road of deceit.
  So, to begin addressing the actual problem long-term, I have formally requested a SSO Inspection (Sanitary Sewer Overflow Study) from the Department of Natural Resources for this particular area of problems. I strongly encourage anyone who has experienced the same problems to do the same. Since the EPA is a federal agency that oversees the development of standards and practices for the Department of Natural Resources – this service is not limited to just O’Fallon or St. Charles County problems. This service is available to all Americans! 
  On this Thanksgiving holiday, I will write correspondence to all my State and Federal elected officials to spread the awareness of the problem and solicit their assistance in getting this task completed and completed properly and honestly. Something tells me, there are many more homeowners in St. Charles County that live around rapidly developed areas suffering the same sort of losses due to poor city planning that will be very grateful for the effort.       
  I am thankful for the ability to make that difference and offer a helping hand. I will keep the public updated on any assistance our elected representatives give me to correct this wrong. YOU have the right to know!”

___________________________


  I have corresponded with the elected officials of the City of O’Fallon, who have chosen to turn a deaf ear to the problems. The City of O’Fallon pays over $690,000 to Traveler’s Insurance Company annually, yet have a $25,000 deductible on any claim. Carelessly throwing this issue at their insurance company only results in the possibility of a raise of annual premiums that are ultimately paid by customers of the sewer system through rates accessed.  If the city acted responsibly and actually remedied the problem with one-way flow valves or monthly monitoring during peak rain seasons, they would further save the consumer money. However, most important, why is stormwater flowing through sewer lines not even 10 years old?
  I formally ask for your assistance in encouraging a SSO study to be performed on the retention pond/sewer lines along Brookfield Lane and Wildwinds Drive, as well as ALL retention pond areas added in the O’Fallon area during the rapid era of growth over the last ten years.  I also request that the study be performed on the sewer treatment plants servicing the area that have already, factually, dumped untreated sewage into the Mississippi River during heavy rains, and that the necessary measures be taken to correct this destruction of our environment.
  It is my understanding that the request for a SSO study on our problem area will probably remain on someone’s desk unless our elected officials assist me with this action. Therefore, I ask that you assist with this matter.  I am writing to all our elected officials in the O’Fallon area where residents have responded with concerns.
  Secondly, how and where do I report the questionable practices of the claims adjusting processes of Traveler’s Insurance and Metlife Insurance Companies? Are you able to offer assistance in this area of concern?
  I look forward to your response to proceed in the correction of these issues. Thank you for your attention to these matters.
Sincerely,
Jayne Voss-Robinson

cc:
US Senator Kit Bond
US Senator Claire McCaskill
US Representative Todd Akin
Missouri State Senator Scott Rupp
Missouri State Representative Doug Funderburk 
Missouri State Representative Cynthia Davis
Missouri State Representative Kenny Biermann
St. Charles County Executive Steve Ehlmann
St. Charles County Councilman Joseph Brazil
St. Charles County Councilwoman Cheryl Hibbeler

 

  We received the following letter from St. Charles County Executive Steve Ehlmann dated December 31, 2009:

"Dear Jane:

  I regret to hear of the water back-ups in your neighborhood. I have checked into this matter with county staff and have been advised that our lines are functioning properly and that the Missouri Department of Natural Resources determined there is no cross connection between O'Fallon's lines and the County's storm water lines in that area. If you should find evidence to the contrary, that the County's storm water lines have failed, please let me know. I have no authority over the City of O'Fallon.

  Regarding insurance issues, you may want to check with the Missouri Department of Insurance, Consumer Affairs Division, if you have not already done so.

  Best wishes for the New Year.

Sincerely,

Steve Ehlmann

St. Charles County Executive"

  There is no doubt that County Executive Steve Ehlmann and staff took this issue very seriously, as we saw firsthand many county vehicles and staff inspecting lines in our neighborhood over the past few weeks. I am expecially grateful that the inspections were done and that the potential that a flaw could exist in the county lines has been virtually eliminated. The final elimination should be validated in the Department of Natural Resouces OSS study findings.

  Again, both Senator Rupp AND St. Charles County Executive Steve Ehlmann prove to be an excellent representatives of the people they serve. Please remember this at election time. It isn't about party politics anymore. Voters are tired of the 'lip service' received from all the 'professional' politicians. As my parents always taught me...actions speak louder than words. This is a perfect situation for voters to study and decide which elected officials DESERVE to serve the people and which do not. We should greatly value the officials that DO represent the people.

  FOR EXAMPLE:

  Contact was also made with State Representative Cynthia Davis. After receiving a piece of, what can only be described as,  'election propoganda' from her office entitled: "State Representative Cynthia Davis’ Resolution Declaring Missouri’s State Sovereignty". 

  I responded with the following e-mail...which triggered the  on-going dialogue: 

From: Scoop Publications [mailto:scooppublications@charter.net]
Sent: Tuesday, January 05, 2010 9:22 AM
To: Cynthia Davis
Subject: BS

  It looks to me like you on the campaign trail again. It’s a shame that when your constituents asked for your assistance with stormwater and insurance problems, you ignore the request. Senator Rupp did not.

  Dozens of families in your representative district have been negatively affected by the stormwater issue I asked for your assistance with. The number grows daily.  I make sure to let everyone I can know who REALLY represents the people and who does not.  

  Always remember Cynthia, actions speak louder than words.

 Jayne Voss-Robinson

 

Cynthia's Response:

From: Cynthia Davis [mailto:Cynthia.Davis@house.mo.gov]
Sent: Tuesday, January 05, 2010 9:26 AM
To: Scoop Publications
Subject: RE: BS

 Dear Jayne,

 I understand you sound angry, but I do not understand what you are asking me to do.  If Scott’s office did something to resolve your issue, I would be interested in knowing what they were able to do.  Perhaps I can learn something new that I was unaware was available.  The last communication I had with you was when you explained the problem, but I didn’t know what the State of Missouri could do since your issue appeared to be with the City of O’Fallon.  Please feel free to enlighten me.

Sincerely,

Cynthia

 

OUR RESPONSE:

From: Scoop Publications [mailto:scooppublications@charter.net]
Sent: Tuesday, January 05, 2010 10:06 AM
To: Cynthia Davis
Subject: RE: BS

 Dear Cynthia,

  A simple response to the multiple letters would have shown some interest and concern. Senator Rupp responded with e-mails to myself and both the Department of Natural Resources AND the State of Missouri Department of Insurance-Consumer Division within 24 hours of the receipt of my request for help. Within 48 hours both the Department of Natural Resources and the Missouri Department of Insurance contacted me by phone and initiated the process to investigate the issues that directly pertain to their agencies.

  The Department of Natural Resources representative visited my home and visually inspected the area within the following week. They have started an OSS study of the area to determine if stormwater and sewer water are running together and if this is causing additional pollution to the water shed.  The representative hand delivered a copy of the 2005 EPA study of the O’Fallon area which clearly noted multiple infractions on the City of O’Fallon’s part.

  The Missouri Department of Insurance forwarded complaint forms and started separate investigations on the manner in which Travelers Insurance/City of O’Fallon and Metlife Insurance have handled the claims. The insurance companies have 20 days to respond and we await their responses.

  In both cases, the agencies informed me that they are involved by request of Senator Rupp. Obviously, his influence has proved beneficial in getting us assistance we needed. The outcome of these actions will aid in making the City resolve these problems that have gone on for years now and any legal processes we may have to go through to get this fixed so our homes do not continue to devalue because of the on-going problem.  At this point, if we chose to sell our homes, we would have to sign a disclosure form of this on-going problem. What do you think that does to our sale-ability of the homes? Finally…some entity is responsible for the damages. I did not cause the City of O’Fallon sewer line to block and back up and destroy my lower level of my home. My neighbor, who has this happen twice and year, every year since the O’Fallon Walk Shopping Center was built, lives with black mold in his basement everyday.  

  What REALLY irks me about this, Cynthia…is that you live here. You well know what is going on and the players in this ‘game’ of irresponsibility and, you did not even reply to my request.

  I’m not angry Cynthia…I’m disappointed and disgusted in just how fast people forget where they come from and how they got there. Anger serves no purpose. Disgust influences changes. There is a difference!

Sincerely,

Jayne

Cynthia's Response:

Dear Jayne,

Thank you for the update.  The senators really do have more office staff, so I am glad they were able to get you the assistance you needed.  I am sorry about your sewer backup.  It must have been terrible.  I have had a sewer backup before as well and know it is bad.  Please let me know if you need anything else.

Sincerely, 

Cynthia

 

  I will let the readers 'rate' the level of representation I have received from my State Representative,  Cynthia Davis. However, in all fairness I must advise the readers...the immediate, helpful response I received from Senator Rupp - someone I have NEVER met in my life - came directly from Senator Rupp, not office staff,  in the form of a couple paragraphs in an e-mail copied below: 

"Ms Voss-Robinson
Thank you for bringing this to my attention.  I am so sorry for all that you and others have gone through.  I have asked that someone from the Department of Insurance contact you regarding your complaint with the City of O'Fallon's insurance carrier, Traveler's Insurance.  They are the agency that handles those types of consumer complaints with insurance companies.
My office is also contacting DNR.  As soon as we know something I'll let you know.
Sen. Rupp

Senator Scott T. Rupp
2nd Senatorial District
State Capitol Bldg. Room 426
Jefferson City, MO  65101
Phone:  (573) 751-1282  Fax:  (573) 526-4766 scott.rupp@senate.mo.gov"

  He did not rely on his "office staff" to assist with his constituents needs and both the Department of Natural Resources and Missouri Department of Insurance stated they were in contact with the Senator himself.

  Additionally, State Representative Cynthia Davis has served in public office far longer than Senator Rupp. Why didn't she know how to advise her constituent on this issue?

  Major blunder? I'd say 'yes' given that over 8,000 readers have opened and read this story on-line to date. Stay tuned.  Whatever the outcome, we're holding politicians accountable as representatives of the people.

_____________

  Other efforts and developments

** Metlife Insurance opened a 'Contested Claim' in order to investigate where the 'ball was dropped' with the service and understanding of our homeowners insurance coverage.  What this amounted to was a barrage of questions concerning coverage with the last company that we had Homeowner's Insurance through. Since we changed to MetLife is 2003, I have little recollection of those circumstances and any paperwork from that time was destroyed in the sewer back-up water, was placed out in our front yard for 4 weeks, then removed to a dump. They have pictures of the boxes of records, just like the one above,  taken by the claims adjuster they sent to our home. But, they waited until all the damages were removed to start this bogus investigation. 

  PLEASE NOTE: We have still not received a copy of any policy signed by myself indicating that I was made aware that the 'A-Plus Policy' I purchased did not cover sewer back-up damages. My disclosure statement in hand clearly states it does not include 'flood coverage'. Why wouldn't it indicate the same for sewer damages? I sent a second certified letter requesting original documentation and an Errors and Omissions Report on this mystical agent that I have never seen or heard from. I have also forwarded a copy of the SECOND REQUEST to the State of Missouri Department of Insurance-Consumer Affiars.  In return, I received a document named "COVERAGE VERIFICATION DEC PAGES AND POLICY." Included in this document is a notorized statement that reads:

"This is to certify that the policy language contained in the attached is a true and accurate representation fo the insurance policy and/or declaration page for Brian M Robinson and Jayne M Voss Robinson Policy # XXXXXXXXXX as of 10/30/09.

 This document is signed with an illegible, unidentified signature and notorized by a Pamela K. Alcorn.  This is clearly a copy of the homeowner coverage AFTER the sewer back up. Will I ever receive a copy of the original policy sold to me and signed by me at the original purchase of the policy? 

*** We have filed formal complaints with the State of Missouri Department of Insurance - Consumer Affairs against Travelers Insurance Company / The City of O'Fallon and Met-Life Insurance for the questionable handling and denials of this claim.

***We have also met  with a representative of the Department of Natural Resources and initiated a SSO Inspection of this area in an effort to determine why sewer back ups happen repeatedly in neighborhood homes AND how stormwater is infiltrating the sewer system. We have been advised that findings from this investigation will be likely be available in mid to late February.

***We have requested and received a copy of the last EPA study performed on the City of O'Fallon sewer lines. We will present more facts and findings of this report after the holidays. Whereas many of the problems cited were corrected with the sewer plant upgrade performed during the last administration, notations were made of six 'failure to report' incidents, identified problem areas in the city and over 150 complaints of sewer overflows in the year 2005 alone.   

________________________