Mold damage claims are complex issues because insurance policies have various limitations when dealing with Mold. Certain insurance policies either limit the payments that can be made or exclude them altogether. The trained staff at Alconero and Associates Public Adjusters can fully investigate the cause and origin of the mold so that we may properly report it to your insurance company. It is important to act fast when evidence of Mold is seen in order to avoid any health risks.
What health problems can mold cause
Mold problems are common in homes in Florida, even more so than you think. Thanks to the humidity of the climate, the formation of these fungi is favored and they expand very quickly. In some cases, people can become immune to its effects, and feel no consequences to their health. But for most people, Florida mold damage also poses a risk that can affect their day-to-day life.
One of the most common reactions that can be experienced is eye irritation. The eyes begin to itch and turn red from the presence of mold in the air. It is also possible to experience stuffy and runny nose, when particles enter the airway. Those people who suffer from allergies or a history of respiratory difficulties will feel these consequences much more aggravated. In some cases, it is even possible to raise a fever or feel difficulty breathing normally. Florida mold damage encompasses all of these health concerns, and therefore should be treated as a serious problem that deserves an effective solution.
Each of these points is especially relevant if children live in the house. They are the most affected by mold, as exposure at a young age can seriously increase the chances of developing asthma later in life. For this reason, it is extremely important to identify the problem in time to be able to act accordingly and avoid aggravation.
Tips for recognizing a Moho problem
Identifying the presence of mold in a property is not always easy. It usually develops in remote, dark areas with high humidity, so it can go unnoticed for a long time while the problem continues to grow. Such is the difficulty in perceiving it, that in many cases it is only identified when there is already damage caused by Florida mold. One sign may be the dark-colored spots on ceilings and walls where the fungus develops. This should already be an alarm, since the visible presence of mold indicates that the problem was already present in the foundation and in less visible areas. As soon as it is received, you should proceed to call your expert public adjuster, such as Alconero & Associates.
The symptoms we have already described can also be a way of identifying the problem. If you notice that after spending time outside the house the symptoms disappear, the problem is probably inside. Of course, you should not confuse these symptoms with those caused by the flu or a cold. But if you notice a change when you spend time away from home, it may be a red flag.
The presence of fungi can also be identified by smell. As we mentioned, mold thrives in damp areas. So if you smell dampness anywhere in your home, know that you are at risk of mold growth. An old flood or a leak from a water pipe may be enough for Florida mold damage to start. If any of this has happened recently, contact Alconero & Associates may be a good idea.
What to do if you find mold in your home
Acting quickly in the presence of mold is essential. If you suspect a possible invasion of this type, there is no time to lose. In addition to all the health issues we’ve already mentioned, there is Florida mold damage that can happen over days. Even these damages can become structural if they are not attacked quickly. Contacting a mold detection company can be very helpful in correctly diagnosing the problem and starting to find a solution.
You might also be tempted to call your insurance company to report the problem. Before that, it is advisable to contact a reputable public adjuster to anticipate future problems. It is common for insurers to make the process more complicated than it should be. This is so, because companies seek to have the greatest possible benefit from their business, and this implies minimizing payments. Therefore, they may seek to minimize the Florida mold damage that has occurred on your property, with the goal of reducing the compensation you are owed.
Hire a Public Mold Damage Adjuster in Florida
Unfortunately, this type of maneuver by companies is more common than we think. Not all behave in the same way, but it is quite common. Insurers have a group of professionals who know all the technicalities to get rid of paying claims, and they will try to do it. It is even likely that, through some hidden clause in the contract, they will find a way to completely reject the payment of compensation. For this reason, you should find a way to face the insurance company on equal terms. And for that, you must have the advice and representation of a trained professional.
An insurance policy can be difficult to interpret due to the technical language and the complexity of the clauses. Therefore, identifying insurance coverage is often not easy for inexperienced citizens. A public adjuster with the track record and experience of Alconero & Associates can handle a Florida mold damage claim in a much more robust way. Not only to review your policy and understand what coverage applies to you, but also to calculate the actual damages that must be compensated.
Determining the origin of mold, its extent and spread, and the total value of fixes is hard work. In addition, the Florida mold damage claim must be filed correctly with the insurance, and as quickly as possible to avoid inconvenience. Lastly, you need trustworthy representation to defend your interests. All this is work for an expert, like those of Alconero & Associates.