Mold Damage Insurance Claims
Mold is a constant problem that homeowners face in Florida. The humidity, moisture and warm climate is a breeding ground for dangerous and toxic mold. Moisture in homes can come from leaky pipes, appliance hoses, roofs, air conditioners and drainage problems. Most of the time, mold has grown for months, if not years, before it’s detected. By that time, the mold is severe and the only way to fix the condition is to remediate the mold completely. This occurs by tearing down and removing everything near the mold.
Unfortunately, most insurance policies limit mold coverage to $10,000 and some policies do not cover mold at all. Insurance companies will often adjust mold damage claims by labeling certain damage as “mold growth” to take advantage of the low policy limits or to deny the claim altogether. Many times, however, the mold growth was not the cause of the damage but rather a result of a sudden and accidental event (such as a pipe burst or supply line leak) that causes damage covered under the Coverage A dwelling provisions of your insurance policy. This is why it is very important to consult with an experienced insurance attorney prior to presenting your mold claim to ensure that standard mold growth (which is typically limited to $10,000 in coverage) is differentiated from interior damages caused by a covered event which results in mold growth. The latter should be presented under the standard dwelling coverage of an insurance policy and not subjected to the low mold policy limits.
Mold is unsanitary and dangerous. If you can see or smell mold inside your home, the condition is very serious and you must fix the source and remove the mold immediately. If left unchecked, mold can cause structural damage to your home and even worse, cause health problems for you and your family.
Filing a mold damage insurance claim properly can mean the difference between a denied claim and a paid claim. At Arnesen Webb, P.A., we fight to make sure you receive all of the benefits owed to you under the terms of your insurance policy so your home can be restored to its pre-loss condition. If your mold insurance claim was wrongfully denied or underpaid by your insurance company, or you need assistance with the filing of your mold damage claim, call the property insurance lawyers at Arnesen Webb, P.A. immediately at (561) 757-6000 for a free consultation.
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