Mold Claims

Many people need to worry about their homes because so many things can happen to it. One thing that people who may have had things happen like water damage from flooding or burst pipe might need to worry about mold damage to their home. This will give some insight as to how to handle mold damage and filing mold claims.

Mold Claims

Mold Claims Photo by PinkMoose via Flickr

Most insurance companies have a set limit as to how much they will pay for claims due to mold damage. It is important to read the policy as what qualifies a person to file a claim

An example of a policy would be like as follows-Fungus exclusion endorsement. Effective with renewal, fungus exclusion endorsement will become a part of your policy. Your current policy will exclude mold damage caused by leakage which is repeated or continuous for a period of time.

Most claims that are allowed are those that occur because there was flood damage, a tree fell on the house, sewage back up, or a pipe burst. If this happens, a homeowner needs to call the insurance claims department to let them know, and they can call a professional to dry it out as soon as possible. It is also important that the homeowner and agent take pictures of everything that got wet.

There is a step-wise approach as to how to take care of situations like this. First, someone needs to take a detailed list of everything that is affected by the damage. Put markers on the wall to measure how high the water came up to. The insurance adjuster needs to be walked through to see what damage you have recorded.

If they disagree with something, ask why and write down their answer. This needs to be done because if they leave and the damage you reported turns out growing mold, it can be changed on their records. Having a moisture meter to record how wet things are is important. It is important to insist the the drying professionals to dry everything that got wet. It is important to make sure everything is dry before new things are put in place like carpet.

It is possible for things to settle, and a patch of mold grows. Again, return the insurance company to let them get the drying professionals and contact mold removal companies. If there is a dispute, try to clean it so that it does not get worse.

Getting insurance to cover water damage can be difficult, and the insurance companies have their limitations on settling these matters. It is important to read your policy to make sure what they cover. It will usually be instances of disasters like flooding, trees falling on the home, or pipes bursting. There are steps that need to be taken in order for people to settle the issue thoroughly, and this was explained above. The insurance company needs to notified, and they need to walk through the home with you. Make sure that the drying professionals they hire to dry things out complete the entire job.

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