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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