Mold Insurance

There is always some mold everywhere, whether you notice it or not. Mold is a non-scientific and ordinary term for many types of undesired fungi found both indoors and outdoors.

Molds have been on earth for centuries and it requires moisture to spread. The dangerous effects occur when exposing to moldy environments; it may cause different health conditions or none at all. Some people are sensitive to mold; it can cause them throat irritation, coughing, nasal congestion, eye irritation, and even skin irritation.

People allergic to mold may even have more terrible reactions. These people should keep the distance from areas that are likely to have mold. But, in order to avoid additional damage, it must be found and removed immediately.

Mold Damages

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Mold Damages

Mold damage insurance claims were considered to be covered under property insurance when it happened from things such as a sudden plumbing leak, storm, flooding or any other cause covered under your policy.

Many were concerned because of the health-related effects of mold. In response to these concerns, insurers are removing such coverage from their policy forms. In many instances, the insurance companies propose a limited coverage for mold for an additional fee.

Mold damage to properties is very usual in the state of Florida, especially in the south. The weather in South Florida varies from time to time; from warm to humid, being that a chance for mold to appear and/or spread. When moisture thrives, mold may be excessive on your property; it often leads to damages and losses, and also it may affect your health.
Once mold takes hold, it will spread quickly, causing heavy damage to your property and belongings. And the most harmful effects won’t stop with property damage.

According to the Centers for Disease Control and Prevention (CDC), “mold exists everywhere, but weather conditions like in South Florida, help them grow at an exponential rate”. If there is mold on your property, contact a Public Adjuster right away. We will make sure you understand the terminology and help you receive compensation for your losses and damages with your struggle against the insurance company.

Even though you can hide the odor so it becomes less obvious, thanks to an air freshener, the problem will not fade away that easily. You can use a deodorizer to make your house smell better, but the complete removal of the mold goes beyond that.
Presence of mold is evident when you can see it, but you cannot always see mold infestation. Moreover, in some cases, the mold is so severe, that it is nearly impossible to remove, and it just can be reduced.

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Hiring a Public Adjuster for Mold Damages

Mold damages often need testing so the protocol can proceed and the specific type of mold can be eradicated. Once the protocol is ready-for-service, a remediation contractor will follow this document when removing the damage from the building. Later, air clearance testing is necessary to determine the success of the contractor’s efforts.

Your Public Adjuster will advise you on the most effective and precise way to assess and document your mold loss including advice on whether the use of outside experts is warranted and necessary.

Home insurance will likely not cover mold damage unless it was caused by a “covered peril.” In some cases, it has been proven that they don’t even pay for maintenance because they are convinced that the homeowner could have prevented the damage.

Unfortunately, some insurance companies are tired of mold complaints and they have gone as far as omitting to tell you that they don’t cover it. That is why it is important to always check your policy’s terms and conditions.

Insurance policy coverage varies for the homeowner, business and renter property. Be acquainted with your policy coverage because it all depends on the severity of the mold damage and what could have caused the mold to spread.

Damages caused by mold, pollution, corrosion, deterioration, construction defect, and more, all have some exceptions in the insurance policy. Furthermore, there are even some exceptions within the exceptions in the insurance coverage! That is why it is always important to be conscious of what your coverage implies even when it has been renewed.

If the mold damage was caused by water damage or any other source, the insurance company should cover the costs of remediation. Even though, they may still be questioning what caused the mold in the first place.

Prevention of Home Mold

The Centers for Disease for Disease Control and Prevention recommends the following ways of controlling mold growth:

  • Maintain the level of humidity in your home
  • Immediately fix any broken pipes, roofs, and windows
  • If there’s flooding, clean it out thoroughly
  • Ventilate areas where you cook, shower, and do laundry
  • Avoid the area affected by mold
  • Remove anyone from the property that has a respiratory condition
  • Do not eat or drink in the affected area
  • Do not open windows to air-out the affected area, this could encourage the mold to spread
  • Do not use a fan to dry the affected area, this could also cause spreading
  • Do not smell or inhale the mold

If you choose to use bleach to clean up mold:

  • Never mix bleach with ammonia or other household cleaners. Mixing bleach with ammonia or other cleaning products will produce dangerous, toxic fumes
  • Open windows and doors to provide fresh air
  • Wear non-porous gloves and protective eyewear

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