How to document your property mold damage claim
Insurance companies typically want to minimize how much they pay out in claims. This is especially true with property mold damage claims. If they do pay, it’s usually a paltry amount to cover cleanup costs, especially in water damage cases.
If an adjuster doesn’t actually see the mold during their inspection, your claim could become an issue with your insurance company. They might claim the mold existed before the incident in your claim, and deny the claim. They may say the mold was a result of a defect in construction or poor home maintenance on your part. Or they might deny the mold is a problem or that it even exists, even if it’s in plain sight.
Many mold claims will be covered if water damage covered by the policy also causes mold.
This is usually referred to as a covered peril. Often, mold that develops from a specific event (like a storm or hurricane) may be included.
However, your insurance might not cover mold resulting from a leaking pipe or other ongoing water exposure. The source of the mold must determined before your insurer will cover your claim. This may prove difficult, but a professional mold inspection or remediation provider can do it.
Since mold remediation costs are climbing, many insurance companies are looking at different ways to avoid paying out mold claims, such as rewriting policies to eliminate coverage for all types of mold or reducing payouts, or litigating mold damage clauses in existing policies.
Documenting Your Claim
- Document all the damage quickly. Once you discover the damage, contact your insurer right away. Take pictures of the damaged area, including the source of the water and the damaged items. If you have images of the area taken before the event, show them to the adjuster as well.
- Prepare answers for the adjuster. An adjuster will ask you many questions to determine the cause of the damage. Document any repairs done to the damaged area before and after before adjuster shows up. You might be reimbursed for these expenses.
- Consider getting a second opinion. If mold is an issue, it can be helpful to have another person besides the insurance company’s adjuster to assess the damage. This can be helpful if the adjuster’s estimate is inadequate or doesn’t cover your mold damage. This estimate will also be useful if you need to negotiate with your insurance company or take legal action.
Mold is extremely dangerous to you and your family’s health. It is hard to clean up, and professional cleanup is expensive, which is why you want to ensure your claim is handled properly and taken seriously. Louis Law Group has access to mold and remediation insurance claim professionals who will ensure your mold claim will not be wrongfully denied due to unfair or bad-faith practices. If your mold damage claim was denied or underpaid, contact Louis Law Group or call (954) 676-4179 for a free no-obligation consultation or case evaluation.