Mold Damage in Central Florida

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Mold is insidious, and it can damage your home without you knowing it’s there. Filing an insurance claim for mold damage can be tricky, and it requires specific knowledge of your insurance policy. Rather than worry about the insurance company, it’s a good idea to call in a public adjuster to manage the process.

Insurance companies frequently make payouts for mold damage difficult. Central Florida, in particular, has an excellent climate for mold growth, and the flooding from hurricanes compounds the problem. It’s in the insurance company’s best interest to find a reason not to pay.

That’s where the public adjusters of Central Florida Property Claims come in. These insurance experts take your side throughout the claims process and manage your claim for your peace of mind. Public adjusters help you get the insurance payout you need without the hassle of constantly managing your claim.

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Common Mold Damage Issues

There are many species of mold, and each grows slightly differently. However, you need to know that mold growth is a health hazard for you and your family. A successful insurance claim will help you pay for professional remediation services, so you do not need to worry.

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Areas Where You Can Find Mold:

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• Bathrooms

• Kitchens

• Roofs

• Bedrooms

• Living rooms

• Laundry rooms

• Attics

• Basements

• Garages

• Upholstery

• Ducts

• Walls

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Mold grows anywhere moisture might gather undisturbed, and unfortunately, houses are a great environment for it. Central Florida also sees heavy rains and hurricanes, which can spread moisture and mold spores, unfortunately. In many cases, you may not even realize you have mold. You need an expert because insurance companies tend to blame you and your family. This fact means the insurance companies can insist that they don’t have to pay since the damage to your home is due to negligence. An insurance professional can handle the insurance company to get what you need to take care of the mold.

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Insurance Company Mold Tricks

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Insurance companies never want to pay on mold claims, but they want to keep you as a customer. This paradox means the insurance company will delay and point to technicalities rather than deny your claim outright. Your insurance company may hope you get frustrated and discontinue the claims process. One tactic you may encounter is the insurance company claiming that mold is not included in your policy. Unfortunately, this tactic creates an extra step where you must read through all the fine print on your policy. That makes the process very frustrating and time-consuming. Another option insurance companies use is forcing you to identify the source of the mold and confirm it’s in their purview. Otherwise, the insurer will pass you over to flood, who will also want proof. To prove a source, you either need pictures of the event or independent expert analysis, which you must often pay out of pocket initially. Your insurance company may also decide to question the value of your property or the repairs. This step opens up a lengthy process while you prove the value of items damaged by mold. You must also have detailed records from the mold remediation contractor to prove the value of the project. This delaying tactic may have you paying out of pocket for repairs. Insurance companies can use many distinct tactics. Unless you have extensive experience, you may not be able to negotiate these barriers. Insurance companies are counting on you completing the process alone, and you do not need to.

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How Central Florida Property Claims can Help You

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Central Florida Property Claims supplies the expert public insurance adjusters and support team for your insurance claim. Our public adjuster team can guide you through the process and help you get the payout you need to fix your property.

Public adjusters do more than provide a nuanced understanding of the law. We apply our knowledge to your specific case and take over managing the day-to-day interactions with the insurance company. This collaboration frees you from the frustration that often accompanies mold insurance claims. If you find mold, call Central Florida Property Claims before anyone else. Our team in The Villages, Tampa, Daytona, and Atlanta would love to help you get the payout you need from your insurance company. We’ll manage the insurance company so that you don’t have to.

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Types of residential and commercial damage we manage:

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• Roof Damage 

• Roof Leaks and Ceiling Stains 

• Hurricane Damage

• Mold Damage 

• Water Damage 

• Flood Damage

• Fire Damage 

• Shower Pan Leaks 

• HVAC Overflow