Disastrous Water Loss in Orange County

We responded to a disastrous water loss in Orange County as the homeowner was having trouble with the carrier adjuster who showed up and was trying to have all water damages (approx. $200k) included in his $20k mold limit. We immediately reviewed the policy, contacted the carrier adjuster to educate him on the proper interpretation of the policy and how it applies to the loss. Hours later, the carrier adjuster contacted our firm and stated he was wrong and that he would apply all water damages to Coverage A dwelling limit and the up charge for the mold cleanup would be applied to the mold limit.