According to the Florida Department of Health, the presence of mold in the air is normal. However, if you suspect a mold problem in your home, don’t let it go untreated. In some people, exposure to mold can cause serious health issues.
If you suspect mold exists in your home or building, the Florida Department of Health recommends the following ways to investigate the issue.
Aside from an act of nature, you can help prevent mold from spreading by doing the following:
It’s important to understand that your homeowner’s policy will only cover mold removal if the cause of the mold is from a peril already covered on your homeowner’s policy. For example, if the mold is the result of water damage from a burst pipe, it may be covered under the water damage coverage on your insurance policy.
However, there is a catch. Damage from mold can range up to $30,000 in some instances, and your homeowner’s policy may not cover the entire bill. Insurance companies have ways of reducing their risk. One of those is by limiting how much they will pay for mold damage, even if it is the result of a covered peril. Another way is by claiming that the damage is a result of your negligence and denying the claim altogether.
If you find yourself in a situation where you are battling your insurance company over a mold damage claim, contact our office today. Our experienced insurance litigators will listen to the details of your case and offer advice on the best way to proceed. Haven’t filed a mold claim yet? Give us a call. We can help you file a claim with your carrier, and ensure that your claim will be handled correctly and efficiently.