How To Successfully File A Mold Damage Claim

Damage from mold will cause very serious issues in your home and it is critical to find the underlying cause. Mold and mildew poses a danger not only to the structure of your home, but also your health. Mold will generally start to grow within 24 to 48 hours after water collects in an area. Most insurance policies have limitations on amounts paid for mold damage, but the cost of repairing a mold problem is often quite high. Below, our Daytona Beach mold claims lawyer outlines how to successfully file a claim.

Review Your Insurance Policy 

Before filing your claim, it is important to first review your policy to determine if the damage is covered. If you have mold, you also have water damage as mold is caused by leaks, condensation, or water vapor. You must identify the cause of the mold to determine if the water damage is also covered. Insurance policies are often difficult to understand. A Daytona Beach mold claims lawyer can review your policy for you and advise whether you are covered.

File Your Claim As Soon As Possible 

If you have found mold in your home or you suspect it is present on the property, you need to file your claim as soon as possible. You will need proof when submitting your claim and this can come in the form of photographs, notes, and any communication you received from the insurer in writing.

Know How to Deal with the Insurance Company 

When water damages your property, you should try to correct it within 48 hours. If you do not, there is a chance mold will develop on the property. It is important to contact a licensed and insured professional who can test the damage. Once the mold has been tested the professional will also advise on specific results and ways to remove the mold spores.

It is important to keep comprehensive documentation about anything you are doing to prevent further damage. It is critical that you remain courteous and truthful with the insurer at all times. Keep detailed notes throughout the process including the names of anyone you speak to, their job titles, and their numbers. If you and the insurer reach an agreement on any issue, make sure to follow up in writing. Again, a Daytona Beach mold claims lawyer can communicate with your insurer on your behalf to ensure it proceeds quickly.

Protect, Not Repair 

You have an obligation to prevent further damage to your home. This may involve turning off the water supply or taking other emergency measures. However, you should not permanently repair anything until an insurance adjuster has inspected the damage or you risk not receiving the full coverage you need.

Our Mold Claims Lawyer in Daytona Beach Can Help You Obtain Full Coverage 

If your home has suffered mold damage, do not file a claim on your own. At Bundza & Rodriguez, our Daytona Beach mold claims lawyer can guide you through the steps to ensure you receive the full and fair coverage you are entitled to. Call us now at 386-252-5710 or contact us online to schedule a free consultation.

Source:

leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0624/Sections/0624.155.html