Mold Damage

Mold Damage Insurance Claims

Mold can be caused by many different scenarios and situations, but it is undoubtedly a silent “killer” that can wreak havoc on your home and health and you should be able to get the coverage and payment you need when you discover what it has done.

Mold is a major problem in more ways than one. It can completely disrupt the structure of your home, damage your walls, wreak havoc on your HVAC system, and even cause damage to your furniture. Aside from the physical damage to your home, it can also be detrimental to your person. From headaches to affecting asthmatics, causing allergies, and breathing difficulties, it is an unpleasant experience for any homeowner to go through.

Imagine having to go through all of this and then having to fight with your insurance for them to give you what you have a right to with your coverage. It is unpleasant and can be a waste of time if you don’t understand everything about what your insurance covers, the loopholes they try to work with, and the ways they may hide the truth from you.

Because we have worked with many insurance companies concerning mold damage, we understand the complicated process it can be to win the case, but we have the expertise to help you get the desired outcome. Many insurance companies will have several limitations on how much they will cover mold damage, but we can help you to receive your due coverage according to the cause of the mold.

Why Mold Develops

Think about one of the major reasons why mold develops. Much of the time it is caused by water damage and that is where it gets even more complex. Water damage can be caused by hurricanes, flooding, fires, storms, a burst pipe and several other factors. These disasters already cause a number of other serious problems and mold usually develops a little later on, but this doesn’t mean that you don’t have a right to your insurance coverage for it.

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Does homeowners insurance cover molds?

Mold can be a major problem in homes, and it can be difficult to get rid of. If your home has been affected by mold, you may be wondering if your homeowners insurance policy will help cover the costs of removing the mold and repairing any damage that it has caused.

The good news is that most homeowners insurance policies do cover mold damage. However, the amount of coverage that you have may vary depending on your policy coverage limits. In most cases, your policy will cover the costs of repairing any damage that the mold has caused, as well as the costs of removing the mold.

Keep in mind that there are some exceptions to this rule. For example, if you live in a rental unit, you may not be covered by your homeowners insurance policy. In addition, if the mold was caused by a problem with your home that existed before you bought the policy—such as a plumbing leak—you will have to pay for any damage yourself.

If you have questions about whether or not your homeowners insurance will cover mold damage, be sure to contact your insurance provider and ask. You can also learn more by reading our article about mold coverage in homeowners policies.

If you do need to file a claim for mold damage, it’s important to make sure that you follow all of the guidelines for filing a claim with your insurer. If you fail to meet any of the requirements, your claim may be denied.

If you have any other questions about homeowners insurance, be sure to check out our website or contact us for more information. We’re here to help!

Home Mold Damage
Get Professional Claim Representation With An Insurance Adjuster

The good news is that at American Premier Claim Consultants, our team of public adjusters has the experience to assess the damage to help you receive payment and help from your insurance company. We know how to approach the very delicate and complicated paperwork that a mold case can bring. It is one of our specialties, so you don’t need to despair, we will make sure to take care of you to the best of our ability.

Something else to keep in mind is that mold can also cause damage to products that you may have in your business. This can cause a loss of income and affect your business. Mold is a serious issue and it is definitely one that should be remedied as soon as possible. While you deal with the job at hand of restoring your peace of mind or your business, we will go about the fight for your claim and analyze the ins and outs of your case to ensure the maximum recovery and most positive outcome.
Mold shouldn’t just be left to fester in your home. The detrimental effects can be far-reaching if it is left to grow and multiply, so that is why it is of the utmost importance to get in touch with us as soon as possible to get your home back in shape again. While the idea of having to fight with your insurance company over limitations and mold problems may seem daunting and nearly impossible to win, we know how to approach the situation and we have the expertise to help you with your claims. Get in touch with us today to find out how we can help you with your mold insurance claim.

How do you handle a mold claim?

Submitting a successful mold insurance claim can be a bit tricky. As with any insurance claim, you will want to start by gathering as much information as possible. This includes photos of the damage, receipts for any repairs or cleaning that has been done, and contact information for any witnesses.

You will also want to contact your insurance company as soon as possible. Be prepared to provide a detailed account of the damage, as well as any steps you have already taken to mitigate the damage.

Not sure about mold damage insurance claims?

As previously mentioned most homeowners insurance covers mold. After calling your insurance agent an insurance adjuster like American Premier should be your second most important phone call.  Working with a professional adjuster will make the process easier, they will review your insurance policy and tell you what the insurance company doest not want you to know.

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We provide mold damage insurance claims for homes and businesses located in Florida. Our team of insurance experts are ready to serve you 24/7! Call 844-313-3155 now!