Mold damage is often quite expensive as it usually grows within the walls, attics, underneath the home, or in the drywall or wooden wall. Mold can have a wet-like appearance, but can be dry too. If you find mold in your home, it is always best not to disturb it on your own. Rather, you should call a professional to handle it. You can confirm the presence of mold just by seeing it, but mold is not always visible as it can grow within walls, air units, etc. A foul smell in some sections of your property can also be an indication of mold contamination.
Mold contamination or damage usually stems from the following situations:
These are just to name a few of the possible reasons behind mold damage, for which you may file a mold-damage insurance claim. All in all, the mere presence of mold on your property can pose a serious threat to your home and health.
In such a situation, hiring a reputable public adjuster with experience handling mold damage insurance claims is your best bet. Not only can they assess your policy, but can also suggest you the right course of action in the event of mold contamination.
In the past, mold damage claims were largely covered under most property insurance plans – particularly if it was an outcome of a “covered” peril. In the current times, concerns over mold have surged dramatically as more scientific knowledge on mold and its detrimental effects on human health are available to the public. The process of cleaning up and removal as well as remediation is expensive and dangerous to the person performing these tasks.
As a result, many home insurance companies have removed such coverage from their policies, whether or not the mold damage is a direct outcome of a “covered” peril. That said, in some cases, insurance carriers still offer coverage for damage due to mold or fungus contamination, when you pay an additional premium. If your property is affected by mold, you should take immediate action to fix the situation since mold growth can lead to severe health and property damage.
Some insurance companies downplay the severity of mold infestation, even before excluding the coverage for mold damage from their insurance policies. Moreover, you may also find some advising their clients to clean up the affected area all by themselves with bleach and water, ultimately to prove that professional mold remediation isn’t necessary at all. Even when your policy covers some types of mold damage, your insurer may tell you that it is an exclusion.
Benito Paul Public Adjuster can assist you by assessing your mold insurance claim while providing you with valuable advice on the best course of action to take.
Benito Paul follows the following stages of a mold damage claim: