Mold damage? We can take care of this problem for you! A-Z Claims Adjusters are the ones you should turn to when having a problem with a mold damage insurance claim regarding it. We will take care of everything for you, and all you have to do is to prepare your insurance policy and give us a call. The sooner the better.
Our professional claims adjusters will take care of everything else for you. And as you already may know – letting experienced claims adjuster handle your mold damage insurance claim is the best thing you can do at this point. So – wait no more, and give our expert claims adjusters a call right away! We will take it from there – and that will give you some additional time and space to focus on other, more important matters!
How mold gets formed?
Fighting mold damage can be a daunting task. Mold damage is an enemy that is difficult to beat. With other issues that we get around our houses, all that you need to do is to change the part that has gone rogue. However, you won’t be able to do this with your wall now, would you?
This is the reason why people are afraid to tackle mold issues. Still, the longer you wait, the more difficult will it become to take care of this problem. Therefore, if you are able to grab the bull by its horns and do something about this issue, it is better to do it sooner rather than later. After all, it is not the same if you have to take care of one square foot of mold damage comparing to one-third of the wall. You should be ready to file a mold damage insurance claim.
In order to understand the problem that you need to tackle, you need to know what causes it. Indoor mold damage is caused by water or vapor from many different sources. They can be:
- Leaking pipes
- Flood in a home big enough for the walls to soak in the water
- Water used by firefighters to extinguish a fire can be one of the causes
- Heavy rain or snow in combination with damaged roof
- Leaking pipe in the apartment of the neighbor above
Will you be covered for the mold issue that you need to take care of?
This is a question that is not easy to answer. Basically, the decision whether to reimburse you for taking care of mold damage in your home is up to your insurance company. There is a step that you can take in order to enhance your odds. The bottom line is, you should hire a public insurance adjuster. He is the only person who will examine the issue that you have and represent your own interests with the insurance company. Therefore, if you have any issues with getting your insurance claim accepted, give these guys a call. Water damage insurance claim can be tricky to negotiate. This is the reason why hiring professional help is a good idea.
Time to get back to answering the question whether insurance will cover your issues with mold damage. Obviously, there are different scenarios that we need to take a look at.
Reasons when insurance will not cover mold damage
The answer to this question lies in your insurance policy. In order to be sure that your insurance will cover any expenses related to the water source, read the policy that you have signed. In case that you have not signed it yet, do your best to understand what it says. Hire professional help if need be.
Speaking in general, if it is not otherwise stated differently, your insurance coverage will not cover for any damage provoked by water issues. This is especially true in the case when people are waiting for the damage to build up before they start taking care of it. If your pipe bursts and moisture accumulates in your wall, your insurance will probably not cover for this issue. The same goes if your insurance does not cover flooding damages. Therefore, if you live in such an area in which floodings occur, you should look into the possibility of adding this issue to your home insurance policy. Otherwise, you may file a mold damage insurance claim but have no high hopes.
Another situation is when people realize that the mold has already gathered in the wall. Knowingly, they avoid taking care of this issue. Then, when they file a mold damage insurance claim, insurance rejects it. Why? Because insurance companies assume that you will conduct the maintenance of your house. This means that you should deal with mold on your cost the moment it appears. You are not to wait for it to cause further damage only to file a mold damage insurance claim. Taking care of your house is up to you and not the insurance company. Therefore, they may reject your mold damage insurance claim and rightfully so.
When insurance companies accept your mold damage insurance claim
While you may be fearful of the damage that mold can provoke, there are certain conditions under which your insurance company will accept your mold damage insurance claim.
First of all, make sure that your insurance covers damage caused by flooding. This is the first thing you should do in order to acquire full protection. In case you have this in your contract, you mold damage insurance claim and flood damage insurance claim, in particular, will probably be accepted.
In case floods are not something that happens a lot where you live, there is another way to protect yourself. You should make sure to purchase water damage insurance for your home. This type of insurance will protect you in case something unexpected happens. For example, if a pipe burst and you happen to contract mold for such excess water. However, this does not mean that insurance will cover for the damage that a leaking pipe cause over a time period. If a pipe is leaking, sort it out. If pipe bursts and covers your apartment in water, then you may file a mold damage insurance claim. Hopefully, insurance will accept it.
The key to a full protection is to choose the right insurance company
As in any other business, you should make sure that you are dealing with the best companies available. Find out as much as you can about the business practices before you sign a deal. Luckily, online reviews are widely available. You should try to find our other people experiences with mold damage insurance claims. According to what happened with their claims, you will know whether you should get one insurance or the other.