Claim Type: Mold Damage
Does Your Home Insurance Policy Cover Mold Damage?
Does Your Home Insurance Policy Cover Mold Damage?
After a storm, or if you find your home has been flooded, there is always the chance that mold will develop. Here are a few tips you should know…
If your property has been infested by mold, take photographs of the infested areas and submit them to your insurance company.
Make sure you can identify sources of leaks and take proper preventative measures to stop your problems from worsening.
Document everything during your meeting with the adjuster. You should start by discussing requested coverage, including maximums and deductibles within your policy.
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When you suffer Mold Damage, contact your insurance company right away. Your coverage for these issues varies by policy so don’t be afraid to ask about your coverage in detail.
Homeowner’s insurance covers mold damage if a “covered peril” caused it. Otherwise, an insurance company will likely not cover a homeowner’s claim of mold damage. There are exceptions, though.
All Florida Claims Advisors help to guide homeowners through the process of filing a claim for mold damage as well as any attempts to restore their home.
When it comes to mold damage, what is covered and what isn’t can get confusing. A few examples of what might be covered are fire, lightning, vandalism, or malicious mischief damage and damages caused by cars. Be sure if you suffer any mold damage that the cost associated with correcting the problem gets paid for via your homeowner’s policy.
All Florida Claims Advisors is here to make the process as easy as possible for you by taking care of all the leg work for you so that you don’t have to spend any more time than necessary filing your mold damage insurance claim.
If your home has been infested by mold, then you’ll need to file an insurance claim. The first step is to get in touch with the insurer that sold you the homeowners policy and have them assign a loss adjuster who will assess the damages and submit a price estimate for review.
Fighting a mold insurance claim can be a long process, which is why it’s important that you are well prepared. If your insurer denies your claim or the compensation seems too low, you may want to seek assistance from a public adjuster like All Florida Claims Advisors who will represent you for the claim and prove all damages.
Public Adjusters can help you get the maximum settlement you are entitled to in your insurance claim. Take our quick survey to calculate how we can maximize your claim!
