Mold Damage

Mold is a nasty fungus that is capable of infecting even the most unsuspecting locations in a home or commercial property. They may be visible to the naked eye or not. In addition to the damage mold can do to a property, it also has damaging effects on a person’s respiratory system. It is essential that mold be linked to water damage due to the many negative effects it can cause and the limitations it has on insurance coverage. Kingwell Claims Adjusting can provide you with mold damage insurance claim help.

Property mold damage claims are complex because of the mold exclusions or limitations that are found in most insurance policies. When our clients ask us for help settling a mold damage claim, we first try to determine if the mold damage can be linked to water damage, that can be covered by the insurance policy. The mold damage claim may be connected to water damage if the mold developed as a result of a burst pipe or after rain-related water intrusion. In such an instance, we can persuasively argue that the mold exclusion should not be applicable.  

Mold is commonly found in Florida homes in Miami. Miami Dade and Broward County are locations in which moisture thrives, and where moisture lives, mold finds its place. Mold quickly develops when water enters a property. You can see how quickly this takes over the property. 

Mold can appear in the following ways: 

• Ceiling damage
• Water heater bursts
• Broken drain lines
• Broken angle stops
• A/C Unit leaks

Stachybotrys chartarum (Toxic Black Mold):

Toxic black mold directly affects your respiratory system in the following ways: 

• Breathlessness or shortness of breath accompanied by difficulty breathing.
• Wheezing.
• Coughing.
• Pulmonary edema - swelling of the lungs
• Pulmonary hemorrhage - bleeding in the lungs
• Sore throat.
• Burning sensation in the mouth.

Bleeding gums.

• Exposure to this kind of mold can cause many symptoms of sickness and even death. All year long, check your property for mold exposure. 

List all the things that are damaged.

Start the process by making an entire list of all the objects and spaces that have been impacted by mold. This covers areas that are both exposed and concealed to ensure a thorough mold damage assessment.

Record and capture images of any mold damage.

Take pictures to show how much mold damage there is. Take crisp pictures and videos of the impacted areas, possessions, and building components. It is essential that you have this visual proof to back up your insurance claim.

Contact Kingwell for an immediate mold damage assessment.

Quick action is essential. Make quick contact with Kingwell to arrange an inspection. A professional evaluation completed on time can speed up the property mold damage claims process and help determine the initial extent of the damage.

If you can, wait until an insurance adjuster arrives before moving the debris and damage.

Before the insurance adjuster arrives, avoid the urge to tidy up or relocate damaged items. By keeping the scene undisturbed, you enable the adjuster to precisely determine the extent of the damage and present a clear picture of your claim.

Before an insurance adjuster arrives, do not make any repairs. 

Although it makes sense to want to take care of damage right away, wait until the insurance adjuster has evaluated the circumstances before doing any repairs. Adjusters may find it more difficult to assess the entire scope of required repairs if changes are made before evaluation.

Never file a property mold damage claim without consulting a public adjuster!

It can be difficult and intimidating to submit a claim without expert assistance. By working with a public adjuster from the beginning, you can steer clear of potential hazards and make sure you get fair compensation. They will handle the complications of the property mold damage claims procedure, making sure that your interests come first.

Miami Dade, Broward, Palm Beach County, Hollywood, Hallandale, North Miami Beach, Boca Raton, Aventura, Sunrise, and Plantation