Is mold a covered insurance claim?
Yes, if you have mold coverage. But there is other considerations.
The question is how did the mold come to exist. Mold is usually a direct result of a sudden water loss that subsides into certain materials and does not have a chance to dry within a rapid time frame. If you have a question about if you may have an insurance claim you should call a private adjuster.
Importance of Moisture Evaluations when a sudden loss occurs that could be covered by insurance!
Thermal Imaging, testing with a prostimeter, or moisture meter is the action taken to locate excess moisture in building materials. Once the excess moisture is located, it is then documented, photographed, and evaluated to create the proper credentials so that the drying and/or removal process can begin. During this process, the source of the excess moisture and usually water damage is found, and controlled, and all signs of affected building materials are contained and disposed of.
The moisture detection process is very important to start as soon as signs are found because moisture on building materials can cause mold formation and eventually structural deterioration. Excess moisture can deteriorate roofing systems, flooring, and the structural integrity of buildings and homes. In many cases, the health of those who live amongst the areas of excess moisture, develop health problems due to the growth of mold. There are many health-related risks associated with mold exposure which creates great importance in solving excess moisture issues as promptly as possible.
Moisture (Humidity is moisture in the air) is one of the key factors that need to be present for mold to form as well as temperature (heat) and a food source. Mold needs a source of moisture to germinate and maintain growth. That is why it is extremely important to take action when you see the first sign of moisture issues.
Many different types of structural materials attract and absorb moisture that causes mold. The most obvious materials that grow mold are fabrics such as cotton, wood, and drywall. More unexpected materials that are susceptible to mold growth are metal, grout, plastic, and concrete. As long as the growing conditions are favorable to mold, it will grow in that environment. Many climates in North America during one season or another will have favorable conditions for mold growth. States like Florida, South Carolina, Georgia, North Carolina, Texas, and many more can have 12 months of the year when conditions are favorable for mold growth.
It is best to assume that as soon as building materials come in contact with moisture either from a flood, spill, or leak, that mold is going to form. Very frequently in the mold industry, companies consider themselves “emergency response” because water damage is an emergency not only because your belongings become wet, but because the presence of moisture will cause mold.
This evaluation and report could be the foundation of your case. This is why you need a Licensed Florida Experienced Public Adjuster in order to handle your claim from start to finish. Call us today! (407) 212-8669