Connecting the dots – Mold spreading

Posted on October 13th, 2011

There are many important details to an insurance policy and the types of damages included and excluded can vary. It’s fairly common for insurance policies to exclude coverage for mold. In South Florida, we all know to well, that mold is almost always lurking around our properties. The extreme humidity and rain can cause a tiny mold problem to escalate into a major destructive problem that can cost substantial amounts of money. It’s essential that a Public Adjuster be contacted when mold is discovered, this way a professional determination can be assessed as to how and where the mold appeared.

It’s a tight rope walk when mold is excluded in a policy. The easy answer is that anything surrounding mold is excluded and homeowners are out of luck to recover damages. This is exactly what the insurance companies what the public to believe. However, the truth regarding the mold issue is that often mold surfaces as a result from another type of damage. This aggressive fungus can be caused by a leak – commonly in the bathroom, kitchen, or AC. There might have also been a leak in the roof that instigated the growth of mold. The damage mold can cause is unpredictable and there are problems that are visible and not visible.

Here’s a Youtube video demonstrating the damages mold can cause and places mold can appear.

We’re experienced in dealing with issues surrounding mold and understand that this is NOT a black and white issue when it comes to recovery. There are many items on the property that must be investigated before a direct answer can be given as your exclusionary clause is considered in your policy.

Please keep in mind that mold shouldn’t be left untreated and can be very harmful to people. Call today and we can help fast.

Tags: exclusion clause, mold, recovery
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Homeowners a Public Adjuster relationship is essential

Posted on October 2nd, 2011

Gene G. Veno is the President of the American Association of Public Insurance Adjusters (AAPIA). He is featured in the Youtube video above as he explains the importance a Public Adjuster is to a homeowner. AAPIA is an important organization that represents Public Adjusters and fosters communication and education about the industry. They are a great resource for various insurance related topics and offer a very informative website.

The AAPIA website is easily navigable to the various areas on legislation and other relevant topics. They also host events and will be showcasing in Miami Springs, Fl later this month.

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The Value of Hiring a Public Adjuster
The American Association of Public Insurance Adjusters is busy getting the word out about how hiring a public insurance adjuster can add value to a policyholder’s insurance claim. AAPIA prides itself on being a professional organization representing public adjusters from all over the United States. AAPIA sponsors educational, social, and networking programs throughout the year.
Town Hall Meeting October 18
October 18th
Location: Holiday Inn Miami International Airport, 1111 S Royal Ponciana Blvd, Miami Springs, FL 33166
Arrival: Noon
Lunch: Included
Meeting: 01:00 – 05:00
Cocktails: 05:00 to 07:00
Please respond directly to Robertcook1999@gmail.com with rsvp.
This is a very important meeting to discuss the future of our Industry
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Visit their website to learn more about the resources available to property owners.

Tags: AAPIA, American Association of Public Insurance Adjusters
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