Navigating A Mold Damage Claim

Is there a better word to describe the Florida weather than humid? As public adjusters, we handle an astounding amount of mold insurance claims since the state’s moisture levels are very conducive to abundant mold growth.

Unfortunately, recovering insurance money for mold damage is not easy. 

That’s why today, we’ll cover why you shouldn’t wait for this infestation to get out of hand, provide you with a few tips for filing a claim, and talk about how a public adjuster mold can help you.

The Dangerous Effects Of Mold

Mold contamination should always be taken seriously, as it can not only pose a severe health hazard but also cause significant damage to your property. 

In most cases, this pollution may cause a lot of problems before you even notice it’s there. Since mold usually grows in dark and damp places, you might not be aware of it until it starts spreading and causing irreparable damage.

Once it does, it can weaken and damage the structure of your property, and ruin household items such as carpets, furniture, etc. Most concerning are the health risks, such as respiratory infections.

Since scientific evidence of the hazardous health effects of mold are plentiful and public awareness of this issue has increased, more and more people are filing insurance claims. Because removal and remediation of mold infestation are complex and costly, insurance companies often remove this coverage from their policy forms. Instead, they often offer limited coverage for an extra premium. 

How To File A Successful Mold Damage Claim

The standard public adjuster mold infestation advice is to take the issue seriously and not lose any time filing a claim. Even though insurance claim representatives will play down the problem in an effort to discourage you from filing the claim, you should stick to your guns. 

Here’s what you should do to increase your chances of recovering the necessary funds:

1. Notify your insurance agent immediately

Never procrastinate when filing a claim. Reach out to your agent and follow up with a fax, email, or letter (anything in writing). This is especially important if you were struck by a natural disaster or had a burst pipe. Acting quickly and gaining access to a remediation team that will dry out your property as soon as possible can prevent or contain mold growth. 

Pro tip: Make a record of all the conversations with all the parties involved. Confirm everything in writing and insist that all deadlines and appointments are respected. 

2. Review your policy

Examine the entire policy, particularly the declarations page which contains all the coverages you have, the limits for each of them, as well as the effective dates. Don’t brush over the fine print as it contains the list of everything that’s insured, any exclusions, and what you should do to successfully prove your claim. 

Pay extra attention to any endorsements included in the policy to see if they add, change, or eliminate coverages to your insurance policy.

3. Protect your belongings from further damage

One of the crucial things to do in any insurance claim is to take emergency measures to contain the damage. Don’t do anything significant until it’s greenlit by the insurance company. For instance, if you had a burst pipe, do what’s in your power to stop the water from spreading. 

In a mold claim, keep any contaminated items so they can be sampled for mold content in a lab. Our advice is to seal the items in a plastic bag to minimize the spread of contaminants.

3. Document the damage

To strengthen your claim, photograph and index any damaged property. Document any source of water intrusion, along with any mold contamination. 

Here are some tips that will help you with this process:

1. Be truthful: don’t misinterpret, omit, or conceal any facts in connection with the claim. This includes exaggerating the value of damaged items as it can give your insurance company an excuse to reject the claim.

2.. Clarify if your estimates are not accurate: feel free to note down ‘’to be determined’’ when describing the value of items you’re uncertain about.

3. Corroborate the value of your items: if you can’t find the receipts, you can include catalogs, as well as bank or credit card statements. If you can’t track those down either, include statements from retail clerks or your family or friends. 

How A Public Adjuster Can Help Your Mold Claim

Even if you do everything we outlined above, you may still run into problems. Your claim may get severely undervalued or rejected. Hiring a public adjuster mold from the very beginning of your insurance claim journey will help you increase your chances of a favorable outcome.

For example, a licensed public adjuster can help you understand your policy and the way it relates to mold damage. Insurance policies are notorious for their complex jargon that may sound like a foreign language if you’re not familiar with it. You may spend days looking over it without finding out for certain if mold damage is covered.

By hiring a public adjuster, they’ll work for you to determine if mold is covered by your policy and help you assess all the damage. They will also help you with filing the claim and provide all the necessary documentation to expedite it. That way, you can focus on yourself while someone else is handling the workload of dealing with the insurance company.

Lastly, public adjuster mold is an expert in the field and is familiar with all the laws and state regulations that you may overlook. Their attention to detail will lead to a positive resolution and more complete compensation from your insurance claim.

How Continental Public Adjusters Can Help

Mold damage claims are needlessly complex, especially for those who aren’t familiar with their own insurance policies. To receive fair compensation, it’s important to know the ins and outs of the policy, including every endorsement and exclusion. 

To maximize your damage claim, consider contacting Continental Public Adjusters. We’ve got decades of experience in the business and we’ll manage your claim and serve as your representative when negotiating with the insurance company.

We’ll not only determine the extent of the damage and submit your claim, but we’ll also work hard to provide proof to the insurance company that your mold damage happened as a result of a peril covered in your policy. 

Call us now at (800) 989-4769 to schedule a free consultation and get the ball rolling as soon as possible.