Tips For Submitting A Mold Damage Claim

Discovering mold in your home can be an incredibly taxing experience for any homeowner. Unsightly mold can enter your home through doors, windows, air ducts, pets, and 100s of other avenues. Coupled with South Florida’s high humidity and constant downpours, mold spores can grow exponentially in your home, leaving unhealthy and hard to remove spores throughout your home.

One of the biggest concerns with discovering mold in your home is the health hazards that come with it. According to the CDC, even low exposure to mold can lead to symptoms such as wheezing, red & itchy eyes, fever, shortness of breath, asthma, and upper respiratory infections. The longer mold has to grow, the more damage it causes — which is why you must get to work as soon as possible to contain the issue and nip it in the bud before it can grow out of control.

Found mold in your home? Here are some essential tips to know when filing a mold damage claim to your insurance:

Make Your Claim ASAP

Time is of the essence as your mold continues to spread throughout your home, which is why you should start the claims process as soon as you first spot it. Mold can spread from walls to furniture and other belongings, so giving it the time to do so is a recipe for disaster.

Don’t Clean Up

While knowing disgusting mold is growing in your home, you should resist all urges to clean it up. Mold damage is rarely ever just surface level and will require professional mold remediators to open up sections of your walls and floors to ensure all mold sources are removed entirely. These professionals utilize a variety of specialty chemicals to get the job done, which is why this is best left to the pros. 

Don’t Throw Anything Away

Similarly to cleaning up, do not throw anything away! It can drive you crazy staring at that sofa with mold spores on it, but you should leave everything as is until your insurance can send a claims adjuster of their own to assess and evaluate themselves. The entire situation should be left as-is for them to paint the full picture. 

Review Your Homeowner’s Policy

You should review your “declarations” page to get the full scope of what is covered under your insurance. Typically, mold is covered under a homeowner’s insurance policy under a covered peril (burst pipe, fallen object, an accidental & immediate situation). Keep in mind that mold is typically covered if there is a primary covered loss that causes it to form.

Contact A Public Adjuster

Just like your insurance company has claims adjusters to decide on the right claim amount to offer you, some public claims adjusters are here to assist you in receiving the fairest amount possible. Your adjuster will come to your home and create a fair estimate of the damages incurred. They get to work negotiating for you against the insurance company to guarantee you walk away with the right claim amount. 

If you’ve suffered from mold damage in your home, don’t fret. Contact the Reliant Adjusters Group team today. We have the necessary experience to help you get the mold damage claim amount you deserve. As claims specialists in South Florida, we’ve helped hundreds of homeowners get the right amount from their insurance providers. To learn more about how we can assist you through your mold claim, simply contact us online or give us a call at (561) 929-9826.