Seeing mold and mildew in your home may leave you at a loss for words or simply baffled. However, in the midst of all that confusion, you have to remember to take action sooner rather than later. Mold and mildew tend to spread like wildfire so you have to catch it quickly and make changes to prevent it from spreading. Many people live with mold and they hesitate to contact the insurance company with the idea that the insurance company may not cover it. The good news is, you may be covered and have the opportunity to receive help fixing the matter. Here at Tri-County Public Adjusters, our team of experts works hand in hand with you to review your policy to determine what type of coverage you have. But even with our experts on your side, there are a few steps you can take at home to help expedite the claims process.
Step 1: Document the Mold
When you first see mold, you may be unsure of what caused it or to what extent it goes. But the first thing you should do is take pictures of everything you see. Even if the mold doesn’t seem so bad in one area, take a photo of it. Make sure to get all of the angles and different lighting. The more documentation you have, the better for your claim. The extent to which the insurance company is able to help you out depends on the amount of documentation you have that proves the extent of the damage. Because mold coverage is usually covered if it was caused by an initial event like flooding from a storm, or a burst pipe, you’ll want to make sure you take pictures of what could have caused the molding. The more pictures and notes, the better. You can never have too much documentation when it comes to your claim.
Step 2: Review your Policy
Before you can do anything, you need to look over your policy and verify that your damages can be covered. While it most likely will be, to an extent, you should still have an idea of how much. The last thing you want is to have high expectations and be let down, or assume you won’t get any help and inaccurately fill out the claim. The best part of this is, you don’t have to stress over the policy when you have a public adjuster on your team. Our public adjusters read through your insurance policy to see what can and can’t get covered. Once everything is looked over, and the situation is evaluated, you can have a clear perspective on your options. Once you know exactly what your insurance company is willing to cover you can plan an effective way to have your home repaired.
Step 3: Fill Out the Claim
The last thing you should do is reach out to a public adjuster. You are going to need to fill out the insurance claim for this kind of damage. Now, the insurance claim can be confusing. There’s a lot of questions, and they need to be filled out to perfection. Messing up the claim can result in getting less than you need for the damage. It may also make the insurance company unsure of how severe the mold damage is. They can only help you out if they know how bad the situation is. That is why a public adjuster is helpful. They can ensure you complete the claim so you can accurately inform the insurance company of your situation. Whether you want the adjuster to lead on the claim or you want to have them look it over when you’re done, we’re here to help.
Contact Our Team Today!
Seeing mold and mildew in your home is unpleasant and it’s something you want to avoid at all costs. But once you find yourself dealing with mold, it needs to be dealt with sooner rather than later. The last thing you want is for a flood problem to lead to a mold problem that leads to health problems for you and your family. Here at Tri-County Public Adjusters, our team can help you with your mold and mildew claim in Florida. We can read through your policy and help with the claim, ensuring you get the compensation you deserve. To learn more about a public adjuster can benefit you, reach out to our team today at (786) 367-2432.