Mold is not only unsightly, but it also puts you and your family at risk for serious health problems. Asthma, allergies, pulmonary disorders, and other respiratory problems can result from exposure to mold. Since you spend a lot of time indoors, the air you breathe will have a significant impact on your health. That is why it is important to get rid of mold as soon as possible.
Mold damage can be expensive to repair. You will need to clean or get rid of any furniture, appliances, clothing, and other items that are infected with mold spores, and you will need to hire professional mold remediation services to clean and air out your home. This will kill the mold at its source and prevent more damage.
Medical expenses from the harmful effects of mold can add up, on top of the cost of remediation. That is why it is important to file an insurance claim to pursue compensation for mold damage. However, this may not be an easy task.
Most Residential & Business Insurance Policies Have Exclusions Regarding Mold Damage
As a rule, residential and commercial insurance policies do not cover mold damage. This means, if your home or business suffers mold damage, you may be unable to receive a settlement through your insurance policy. The insurance company will try to deny your claim, citing its policy exclusion of mold damage. This can make it very difficult to obtain the compensation you need.
The only option to receive a settlement for mold damage is to file a claim under your water damage insurance policy.
A burst pipe, leaky faucet, or water damage from a storm may cause moisture to develop in areas of your home or business. The moisture will allow mold to develop and spread. You will need to prove that the mold was directly caused by water damage, which is usually covered by residential and commercial insurance policies. You can use evidence to prove that your home or business suffered water intrusion, and that the resulting moisture led to mold growth. This way, you may be able to receive compensation under your water damage insurance policy, even if there are mold damage exclusions.
Seeking a Settlement for Mold Damage Can Be Tricky. Call Our Miami Insurance Claim Attorneys Today – (844) 818-0774
At The Morgan Law Group, we have more than six decades of collective legal experience. Our Miami insurance claim lawyers have guided numerous clients to successful settlements, and stay up to date on insurance policies and laws. If your home has suffered mold damage, we will analyze your situation and use effective legal strategies throughout the process.
Contact our team of Miami insurance claim attorneys today for a free initial consultation.