Water damage is a frustrating affair and can cause a lot of stress and headache to homeowners. It brings with it a fresh set of problems besides the obvious such as the growth of mold and fungi as well as a multitude of health problems.
Homeowners insurance does cover mold damage, but in case it is caused by a peril that is covered in the policy. Otherwise, insurance companies do not usually cover mold damage. For instance, home insurance policies do not cover mold resulting from high humidity, a preventable water leak, or flooding. In the same vein, home insurance companies typically do not settle for maintenance problems that should have been prevented by homeowners. Insurers mostly expect homeowners to be proactive in taking care of all these issues that can arise from water damage before filing an insurance claim in earnest.
As mentioned above, a homeowner’s insurance policy covers mold if a covered peril causes it. In this case, the policy will cover all the clean-up and repairs that you require. Some of these covered perils include theft, fire, vandalism, lightning, falling objects, accidental overflow or discharge of water, etc.
For example, if there is a burst pipe in your house, gallons of water is dumped on the floor, and the drywall is saturated while you are at work, mold will likely begin forming before you can even place a call. In such types of sudden or accidental incidents, insurance companies are likely to cooperate and settle the repairs for mold damage.
Having said all that, it is always a better option to avail of the services of a public adjuster in Miami. Florida public adjusters are adept at their job and can speed up the settlement claim for you. For details, get in touch with Alconero and Associates Miami Public Adjusters at https://www.alconeroandassociates.com!
FLORIDA PUBLIC ADJUSTERS
INSURANCE CLAIMS PROCESS
EXPERTS IN INSURANCE CLAIMS
We evaluate existing insurance policies in order to determine wha coverage may be applicable to a claim.
RESEARCH
We investigate all detail, and substantiate damage to buildings and contents and any additional expenses. We also evaluate business interruption losses and extra expense claims for businesses.
DAMAGE DETERMINATION
We can determine values for settling covered damages. We will prepare, document and support the claim on behalf of the insured.
NEGOTIATION
We negotiate a settlement with the insurance company on behalf of an insured, negotiating dollar values and if not able we continue to appraisal or mediation.
What is a Public Adjuster in Florida?
A public adjuster is a professional insurance claims manager. Public adjusters are hired to file, document, and advise on insurance claims. They also represent the insured during the process of assessing a claim’s worth and validity and negotiate with the insurance company in order to get the claimant the largest possible settlement. Essentially, a public adjuster is an advocate for the insured, ensuring that claims are correctly submitted and processed, and then working with the insurer in order to obtain the insured a higher payout.
