Certain situations require more insight. Some property damage cases aren’t black and white, and that takes skill and understanding to figure out what’s covered and what’s not. In some cases, homeowner’s insurance will cover mold without a fight. Other times, the insurance company will say that mold is not explicitly in the policy. In this article, a Florida public adjuster will tell you all you need to know about filing for mold, and what to expect along the way.
If you’re suffering from mold damage, don’t go through the process alone. At United Claims Specialist, we see mold issues all of the time in South Florida. In fact, Florida is a state where mold is most likely to grow, due to the moist air quality and warm, tropical temperatures. However, while paradise is beautiful, it does bring some frustrations along the way. Mold damage is often caused by water damage. Whether it’s a leaking pipe, leaking roof, appliance malfunction, or an overflowing toilet or sink, mold is always right around the corner. The substance can start growing only 24-hours after the leak begins! Imagine if there’s a leaking pipe in your wall, but you aren’t aware of the issue until it gets out of hand. Now imagine that its inevitably accompanied by mold and mildew.
Mold is expensive to fix, which is why you’ll want your insurance to cover the cost if they’re willing. Each insurance company is different, and each policy may state one way or the other. One of the best ways to have insurance cover the mold expenses is to look at what caused the accident in the first place. If the source was from a natural, unavoidable incident such as pipes, lightning, roof leaks, sprinkler systems, or appliances, then chances are you’ll insurance company will be understanding. However, flood insurance specifically does not cover flood coverage, and that means that should your home flood during a hurricane, mold costs are not included.
If you do live in a location where you’re more likely to have a flooded home, consider purchasing flood insurance in addition to the homeowner’s insurance. Flood coverage usually includes mold. Then, all of your bases will be covered in regard to those invasive intruders. Other items that your insurance company may deem uncoverable are damaged roofs, water damage left unattended, shower mold, and more. If you’re looking for a Florida public adjuster for your recent mold, water, fire, or vandalism case, contact United Claims Specialists today. With years of experience, extensive knowledge, and a compassionate team willing to help you from start to finish with all of your property damage needs, why go anywhere else? Call our team today at (855) 321-5677. We’re ready to give you a helping hand so that you can get back to tending to other areas in your life.