Dealing with black mold in your home can be a nightmare. It’s a common issue that can destroy the home’s beauty or completely ruin the property. It’s also unhealthy for your body. In severe cases, mold can render a home unlivable and unsellable.
If you encounter any mold problems, a mold insurance claims adjuster can help you find out whether your home insurance policy will cover the sometimes-considerable costs of mold remediation.
Whether or not your policy covers your mold damage will depend on the cause of the mold damage. It will also depends on the terms your insurance policy. You won’t get coverage if the mold in your house is there because you didn’t properly maintain your property. If you didn’t take steps to deal with ongoing humidity or water seepage, leaky pipes, drains or poor landscaping, you may be out of luck.
If your house suffered mold damage due to a flood, the insurance policy will not cover the cost of repairs. In simple terms, any mold damage that takes place after a flood is not covered in an insurance policy. For that problem, you need separate flood insurance.
Any mold problem in your house which occurs due to water issues, fire or lightning is covered in an insurance policy. Some insurance companies will exclude or limit the coverage for mold damage, even if the policy covers the cause of the mold. Some companies will cover the cost of removing any material damaged by the mold, but not extra costs for clearance, containment or mold remediation.
Consulting a professional mold Public Adjuster in Boca Raton, Florida will allow you to manage the claim process easily. They can better help you learn about the main causes of mold damage and how to prevent them. They can be a lifesaver.
Most home insurance companies will not pay for any sort of maintenance-related issue. Insurers expect that homeowners will take care of potential mold-causing problems before they consider filing any sort of insurance claim. Home insurance will cover mold damage if it is attributable to a “covered peril”. In that case, the home insurance policy will pay for cleanup or repairs. More about mold damage https://www.epa.gov/mold
Below are some basic covered perils:
Contact a public adjuster to help you with your mold damage insurance claim is best decision you can make. Instead of contact the insurance company directly yourself, a public adjuster will help you provide all the necessary evidenced to help prove your case and the need of capital to make your home whole again.
Insurance companies will try to lowball your dispute for help and most of the times outright deny your claim. A public adjuster located near you, in Boca Raton for example, will help you from start to finish.