Mold Damage and Mold Contamination Claim Adjusters

TRUST THE CLAIM DEFENDERS WITH YOUR MOLD DAMAGE CLAIMS

–

Fire damage claims can be stressful. Whether the fire at your home is only a small kitchen fire or one that involved many rooms, the task of dealing with the aftermath can be overwhelming. Unfortunately, the damage caused to a home by a fire is not usually limited to what we can see. An early evaluation of the source and scope of loss is crucial. Smoke is associated with most fires and goes well beyond the obvious black haze we see. Repairing the damage usually goes deeper than what we can easily see and may require soot removal, structural restoration, and deodorization. In some cases, a property may be rendered uninhabitable.

Understanding Mold Damage Claims

In the past, mold damage claims were covered under most property insurance when it resulted from a covered peril, such as a sudden plumbing leak, fire control, storm or other cause covered by your property insurance policy.

Concerns have increased due to public awareness and scientific knowledge about mold and its health related hazards. The clean-up, removal and remediation techniques are costly and hazardous to the personnel completing them. In response to the public concerns, insurance carriers are removing such coverage from their policy forms regardless if it results from a covered peril. In some instances, the insurance companies offer a limited coverage for mold/fungus for an additional premium.

Mold contamination should be taken very seriously as it can cause severe illness to some people and considerable damage to property. Before the changes to exclude mold coverage from policies the carrier quickly minimized the impact of mold often suggesting a little bleach as a solution. Insurance company representatives often quote the policy exclusions for mold even when coverage may exist for your mold damage. Tutwiler & Associates can assess your mold damage claim and advise the necessary course of action.

Mold damages often require testing to identify the remediation protocol for your specific type of mold damage. Once a protocol is prepared, a remediation contractor will follow this document when removing the damage from the building. Upon completion of the remediation, air clearance testing is needed to determine the success of the contractor’s efforts.

After first investigating the loss, your Tutwiler & Associates representative will advise you on the most effective and accurate way to assess and document your mold loss including advice on whether the use of outside experts is warranted and necessary.

The Claim Defender Services