In Florida it is highly likely that a homeowner will end up with mold at some point, especially if a water leak occurs. It is important to know that mold is not covered unless the underlying issue is covered. Calling a claim in for Mold often leads to a denied mold claim. Most homeowners are unaware of the proper way to request mold coverage and it is the most common way we run into improper insurance claim denials we assist property owners with.
Mold claims are typically limited to $5,000 or $10,000 but can cost much more. It is very important to have someone review your coverage before performing mold remediation or placing a mold claim.
Most good insurance agents will automatically add a $10,000 of mold coverage to your policy when quoting you but some do not. You can alter the coverage to $25,000 or $50,000 in many cases. We recommend having at least $25,000.
If you have mold call us today and one of our Public Adjusters will set up a free inspection to see if we can help you. Not all mold claims are covered. It is important to take advantage of our free inspection and consultation before spending thousands on mold remediation and repairs. We call also advise if we believe your claim would be covered before adding a mold claim to your policy claim record. If mold is present and covered we can recommend a Mold Remediation company that will bill your insurance company directly for your mold insurance claim.