Filing a mold damage claim isn’t easy, especially because of the presence of so many variables. But you should never ignore mold because, besides its unsightly appearance, it may cause serious illness. Over the years, policyholders have become proficient at denying the claims process by claiming that the mold has been around for as long as people have been living in their homes.
This is why it is important to be extremely meticulous with the process of filing a mold damage claim. Ignore it long enough, and mold contamination can destroy furnishings, furniture, and even cause serious health consequences. It’s important to act fast.
File a Claim Right Away
The longer you allow mold to fester, the more it will grow and the harder it will be to get rid of it. It also becomes challenging to protect your home and any belongings. You can also hire a public adjuster who specializes in commercial claims.
Take a Look at the Homeowners Policy
Make sure to thoroughly review the homeowner’s policy to verify if mold damage is covered under your insurance. In most cases, mold should be covered if it is caused by a covered peril such as a burst pipe or a falling object. Mold damage may not be covered if it's proven that it was caused by a lack of property maintenance that led to leaky pipes.
Never Throw Damaged Goods Away
You may feel grossed out at the sight of damaged goods and want to throw them away. However, this is evidence that can be used by the claims adjuster to inspect the property for themselves. The adjuster will need to review all the evidence and may even decide to send the affected items to a lab to get them tested.
Don’t Start the Clean-Up Process
Of course, it’s tempting to start cleaning the mold the right way, but you should wait until you get the go-ahead from the insurance company. Make sure to only hire a professional to clean the mold.
Call a Public Adjuster In New York, NY
Sometimes, it's best to let a public adjuster handle the process. An insurance adjuster will review your homeowner’s policy to understand the maximum you can receive for your damages. They will come to your property and prepare a detailed estimate of all the costs you need to fix the damage.
The public adjuster sends this information to the insurance company and will negotiate with them to maximize your insurance loss recovery.
If you have mold damage in your home, call Affiliated Adjustment Group to start the process for you to get the highest possible settlement you deserve for your damaged property.