Insurance Claim Tips for Mold Damage: How to Maximize a Mold Damage Payout

03/29/2019 Mold damage can have devastating effects on a home. If your home has mold damage, then it’s in your best interest to get that mold damage fixed as quickly as possible. Today, we’re highlighting insurance claim tips for mold damage, including strategies you can use to maximize a mold damage payout.

Take Mold Contamination Seriously: Some sleazy insurance companies may try to tell you that mold isn’t serious, or that your home doesn’t need professional mold remediation. In many cases, the insurance company is trying to reduce its liability. Mold is a serious problem. If your home has mold and your insurance company is dragging it feet, then you may wish to hire a public adjuster or an insurance attorney to expedite your claim.

Put Everything in Writing: This is a good tip for any insurance claim. Put everything in writing to prevent your insurance company from disputing established facts in the future. Some people even go as far to record phone conversations with their insurance company (make sure you’re aware of recording laws in your state before you do this, however).

Review your Policy Carefully: Your home insurance policy likely has a section dedicated specifically to mold remediation. Read that section to understand everything you need to know about how your policy covers mold. Some home insurance policies have strict limitations on mold remediation. Check the fine print to make sure you’re prepared when negotiating with your insurance over mold damage insurance claims in the future.

Protect Property from Further Damage: Mold can spread throughout the house quickly, traveling behind walls to impact every area of your home. Protect all property from further damage by taking any necessary measures – like turning off the water.

Do Not Dispose of Damaged Property Right Away: Some homeowners have made an unfortunate mistake when dealing with a mold problem. They throw away mold-damaged property before the home insurance company inspects the damage. When the home insurance company arrives, there are no signs of a mold problem because these signs have already been removed. Do everything possible to limit further damage to your property but do not throw away damaged property until after it has been inspected.
Find more important tips and get help with mold damage insurance claims here.

By following these tips, you can maximize your mold damage claim from your insurance company and ensure everything is covered according to the terms of your policy.

About This Author

ClaimsMate Public Adjusters

ClaimsMate Public Adjusters is your premier partner in navigating the complex terrain of insurance claims for property damage in the thriving city of Houston, Texas. Specializing in assisting both homeowners and business proprietors, our dedicated team at ClaimsMate is committed to ensuring that you…