What is Mold Damage?
Mold damage occurs when excess moisture or water intrusion creates the perfect environment for mold growth in your home or business. It often results from plumbing leaks, roof damage, flooding, or high indoor humidity. Beyond damaging walls, flooring, insulation, and HVAC systems, mold can also cause serious health issues such as respiratory problems, allergies, and skin irritation. If left untreated, mold can spread quickly and lead to costly repairs and decreased property value.
How Mold Damage Affects Insurance Claims
Mold insurance claims can be tricky. Insurance companies often try to deny mold-related claims by categorizing them under policy exclusions or citing improper maintenance. However, if the mold stems from a covered peril—like a burst pipe or storm-related water damage—you may be entitled to full or partial coverage. Having an experienced public adjuster on your side can make all the difference when navigating mold insurance claims.
Our Process for Handling Mold Insurance Claims
Capital Adjusting Services helps policyholders take control of their claims process. Here’s how we work:
- Inspection & Documentation: We thoroughly assess your mold damage and document the scope of the loss.
- Policy Review: Our team reviews your insurance policy to determine coverage eligibility.
- Claim Filing: We prepare and submit a detailed mold insurance claim on your behalf.
- Negotiation: Our licensed public adjusters negotiate directly with your insurance company to get the best settlement possible.
- Claim Resolution: We stay with you through every step until your claim is resolved and payment is received.
What Can Be Covered in a Mold Insurance Claim?
Depending on the source of the damage and your policy coverage, your mold insurance claim could include:
- Drywall removal and replacement
- Flooring repairs
- HVAC system cleaning
- Dehumidification and mold remediation services
- Replacement of contaminated insulation and cabinetry
- Temporary relocation expenses (if property becomes uninhabitable)
Our team works to make sure nothing is left out of your claim, ensuring you get the compensation you deserve.
Why Choose Capital Adjusting Services?
With years of experience handling mold insurance claims, our public adjusters are committed to protecting your interests—not the insurance company’s. We’re known for:
- Fast response and expert support
- Licensed professionals with deep knowledge of mold claim handling
- Transparent communication throughout the process
- Proven success maximizing insurance payouts
We advocate for YOU and work to take the stress out of filing your mold insurance claim.
Frequently Asked Questions (FAQs)
How do I know if mold is covered by insurance? If the mold stems from a covered peril like storm or pipe damage, your claim may be eligible for coverage. A public adjuster can help clarify your policy.
Can I file a mold insurance claim after remediation? Yes, but it’s best to file your claim before starting major remediation to ensure proper documentation and reimbursement.
How much does it cost to fix mold damage? Costs vary depending on the extent of the damage and remediation needs. Insurance may cover most or all of it if your claim is successful.
What if my claim was denied? We can help re-open denied mold insurance claims and negotiate for a fair outcome.
Offices Throughout the East Coast We Are Licensed in These States
- Georgia
- Indiana
- Iowa
- Maryland
- Michigan
- Minnesota
- New Jersey
- North Carolina
- Ohio
- Pennsylvania
- Puerto Rico
- South Carolina
- Virginia
- Washington, DC
- West Virginia
