Insurance claims on mold damage in Florida are complex because insurance policies pose certain limitations when dealing with molds. Certain insurance policies either limit the claim that can make or exclusive them altogether. A public adjuster fully investigates the cause and origin of the mold so that they may properly report it to your insurance carrier. Alconero and Associates Public Adjusters in Florida recommend you some ways on how to claim your insurance for mold damage successfully.
Inform your insurance carrier and report a suspected claim immediately
Inform your insurance carrier about the damage right away. Whether it is caused by a flood or pipe burst, seek help from a remediation team within the first two days to contain mold growth. You should note down every conversation you made with your carrier, including the consultant and contractor you deal with. You should also confirm all agreements in writing and insisting that appointments and deadlines be honored. It is essential if you keep business cards from everyone involved in your mold damage insurance claims.
Review the coverage of your insurance policy carefully
Seek for a complete copy of your policy from your insurance company if you don’t have one yet. Critically review the declarations page that tells you the coverage you have and as well as the policy limits and effective dates of each claim and your policy, respectively. You should also review what is insured, excluded, and what you have to do to prove your claim. Endorsements added on to the policy form are also an important part to review to see if they modified, eliminated, or added coverage to your policy.
Protect your property from further mold damage
Ensure that your property is protected from further mold damage. Alconero and Associates Public Adjusters in Florida remind you not to make permanent repairs until the inspection process is done. You should also take precautionary measures in protecting your real estate and personal property from mold damage, but you should also ensure your personal and health safety.
Do not throw anything away until you get permission from your public adjuster and insurance company, and you have documented its condition. In claiming mold damage in Florida, you may need to hang on to mold-contaminated items until they can be samples by a lab for traces of mold content. Wrap the items in plastic and tightly seal them in a plastic bag and carefully seal them.
Make some documentation on the mold damage in your property
By documenting the mold damage, it will serve as your evidence that your real estate was being damaged so that you can claim your maximum insurance claim faster. You can document it in any form—from taking photographs, videotapes, and even making an inventory list of all damaged property. Bear in mind that you need to document your loss as thoroughly as possible, avoiding exaggeration, guessing, or speculations about the loss or the value of any particular piece of property.
Moreover, you should document the source and extent of water intrusion and visible mold damage contamination.
Understand your rights as a policyholder
Bear in mind that every state has statutes and regulations that set minimum standards for handling insurance claims. Hence, you should understand your rights by reflecting on your state laws. Learn how your state law regulates how insurance claims are supposed to handle. This way, you will be well-informed on what actions to take for a successful claim of insurance for mold damage. You can also elicit the help of Alconero and Associates Public Adjusters in Florida in the negotiation, filing, and documentation process on your behalf.
Cooperate within reason with your insurance company
You must cooperate within reason with your insurance carrier when they investigate and handling your claim. Alconero and Associates Public Adjusters in Florida recommend you not to give a recorded statement yet—a sworn statement or a sworn “proof of loss” form until you are sure you understand your rights, the coverage of your insurance, and the full extent of your claim in general.
Need help on mold damage insurance claims for your home in Florida?
For a successful insurance claim on mold damage, don’t hesitate to seek help from Alconero and Associates Public Adjuster in Florida. They will provide toy the most effective and accurate way to assess and document your mold damage to guarantee the maximum claim you deserve!
PUBLIC ADJUSTERS IN FLORIDA
INSURANCE CLAIMS PROCESS
EXPERTS IN INSURANCE CLAIMS
We evaluate existing insurance policies in order to determine wha coverage may be applicable to a claim.
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.
We can determine values for settling covered damages. We will prepare, document and support the claim on behalf of the insured.
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.