Mold is one of the most dangerous things to have in your home. Its spores are airborne. They can quickly get everywhere, from the basement to the attic. What is worse, they can also get into your lungs causing severe respiratory problems. Thus, when you discover mold in your home, you want to get rid of it as soon as possible. However, as any experienced Florida public adjuster knows, mold remediation can be very expensive. Your best solution is to get this money paid by your insurance company.
How to Claim Mold Damage Compensation from Your Insurer
Mold damage is usually included in your homeowner’s insurance under one of the events included in it, usually as a burst pipe. As soon as you discover mold patches, you should call an assessor. You need to review your insurance policy to know exactly what kind of covered event you can include in your claim.
At the same time, you should hire a Florida public adjuster to help you file the claim. They can assist you during the process of getting paid to remove mold from your home. There are many pitfalls that you must avoid, such as the fact that, according to Florida Statutes, you cannot hire the same contractor who assessed the mold problem to fix it.
Don’t Start the Clean-Up before the Assessment
It is understandable that you want to get rid of the mold as soon as possible, but you must first get a professional to assess how widespread the problem is. Otherwise, as your Florida public adjuster will explain to you, the estimate will be much lower than the actual cost to solve the issue.
Once the insurance company accepts it and pays your claim, there is nothing else you can do, but pay the difference out of your own pocket.
Do Not Throw Away Damaged Items
Mold can get everywhere, including in your plushy pieces of furniture and the carpets. You must not throw them away before the Florida damage adjuster and the insurance adjuster saw them. You do need to include them in the Scope of Loss. Anything you throw away before the evaluation will be excluded from your claim.
If you fear for your family’s safety, move them out of the house until the assessment is completed. Afterwards, contact us to assist you during the entire process of evaluating the damage. We can file your claim and negotiating with the insurance company.