Took renters insurance with plenty of coverage, I was back east recovering from surgery and the bath tub faucet failed which turned the hot water on. Just running down the drain, the apartment was closed up so the water ran for at least a month. Black mold formed over everything, ruined all my personal property, the MetLife adjuster refused to enter the unit it was that bad. They told me that the remediation company would inventory all belongings and that he considered all a total loss. This took place on May 25th 2011, I still have no list, I got a check for $5, 000 which is all they are willing to pay because the loss was due to mold. The loss was due to a faulty water control valve, I have no apartment, and just the clothes on my back. Have $26, 000 worth of personal property protection and $6, 500 substitute housing coverage and the only answer they have is sue the apartment complex for the balance, I thought these jokers were working for the insured (me).