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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Mold doesn’t only effect soggy bread.

Posted on May 6th, 2011

A viscous growing fungus, a property destroyer that quickly can develop into serious damage is MOLD. This type of potential damage is very quiet and can take over specific areas of a property or in severe cases an entire home or building. Mold insurance claims are very tricky because there are many limitations when it comes to mold coverage. Public Adjusters understand these obstacles and can identify the cause of the mold.

In most instances, mold is caused from moisture building up, a slow leak, or some type of pipe defect. This water slowly accumulates in areas that are not readily seen and mold begins to thrive. Mold can slowly eat away at dry wall, pipes, and create odors and respiratory problems. In order to avoid the development of mold a property owner has to vigilantly clean and be aware of the areas moisture can settle.

A Public Adjuster in Miami is knowledge about the South Florida environment and mold problems. These issues are relevant when there is water damage, roof leaks, and other forms of damage surrounding water. A Public Adjuster at Stellar will quickly connect the dots and bring to light the ways to avoid mold and discover how mold developed from an existing damaged pipe or other leak. Also, when dealing with mold the clean up is crucial and a Public Adjuster in Miami can advise on a reputable mold remediation company to restore the home and prevent future damage from mold.