Mold – Hurry Claim

Mold coverage is typically triggered only after a covered loss has occurred and is usually limited or capped under most insurance policies.

For the best possible recovery, it is crucial that the insurance claim is handled by a licensed Public Adjuster with experience in mold-related claims.

If mold is suspected in a property, all activity must stop immediately, and a licensed Hygienist specializing in mold testing should be contacted. Our office can refer qualified hygienists to our clients when needed. Mold testing results are typically accompanied by a detailed remediation protocol, which outlines the proper methods for safely removing mold from the property.

Using the documentation provided by the Hygienist, our office will present a claim to the insurance company seeking coverage for proper mold remediation. This includes all mold-related costs, such as:

Personal Protective Equipment (PPE) for remediation laborers
Required dehumidifiers and air filtration equipment
Containment and remediation procedures
Cleaning or removal of affected materials

In most residential insurance policies, mold coverage is capped at approximately
$10,000, although coverage amounts may vary if the policyholder has purchased
additional endorsements or mold-specific coverage.

Addressing mold as soon as it is discovered is critical. If not handled correctly and
promptly, mold can spread rapidly and uncontrollably, affecting entire areas of the property and the contents within them.