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How Our Property Insurance Adjusters can Assist With Mold Damage after a Tropical Storm

Hurricane Ian has reminded all of us just how destructive the forces of nature can be. Many Florida residents now struggle to regain their power, to find temporary living quarters, reopen their businesses, and return to a semblance of life before the storm. For some they have yet to be allowed to return to their homes and businesses to assess the damage, salvage what they can, and to submit a property damage claim to their insurance company. United Public Adjusters & Appraisers is already assisting home and business owners in this region, serving as their public property claims adjusters. We represent our clients, not the insurance companies. Our goal is to assist residents of communities, across the state and to assess and document property damages and asset losses as well as to submit their claims. While initially focused on damaged structures and personal property losses, it has soon become apparent that another, just as serious threat exists: mold.

Why You Shouldn’t Ignore Mold Damage

Mold has been reported to be one of the most devastating, long-term and hidden costly damages in these storm-ravaged states. The formula for mold development is moisture and humidity, and a wet and stormy climate provides each in great abundance. While there is relatively little publicly available data about the percentage of mold damage claims, there is significant scientific data that mold poses serious health risks by inhaling spores in the air. This makes mold not only destructive to property, but to a structure’s inhabitants as well. That is why it is imperative to partner with United Public Adjusters & Appraisers as your public property claims adjuster to factor every aspect of ‘the big picture’ as we prepare and submit your property damage claim.

Do Property Damage Claims Cover Mold Damage?

Acknowledging mold as an increased danger to life as well as property, the Federal Emergency Management Agency has expanded its disaster aid assistance to cover mold growth. Since the start of the program in 2021, it has paid out $142.9 million to 95,000 households, and that was before Hurricanes Fiona and Ian struck. There are additional considerations when determining the logistics relative to preparing a comprehensive property damage claim that property insurance adjusters from your insurance company are certain to overlook. Florida is one of four states that require licenses and professional training for mold remediators. These professionals are already in short supply in this current hurricane season. Florida also prohibits mold remediators from both inspecting and then cleaning the same property so that two companies must be engaged in the certified mold remediation process for Florida home and business owners. There’s more to consider: standard homeowners insurance policies do not cover mold. And in Florida, there may be a cap of $10,000 for mold remediation, which may not be sufficient to remediate larger premises and business locations.

How Our Property Claims Adjusters can Assist With Your Property Damage Claim

Our team will do everything in our power to ensure that our clients and their families do not sustain any additional impacts during the claims and rebuilding process. The amount of damage claims caused by Hurricane Ian already numbers in the tens of billions of dollars. This means that insurance companies claim examiners are inundated. Property damage claims that are not well prepared will receive short shrift, with home and business owners offered settlements that are wholly inadequate to restore their homes, perhaps even to cover interim expenses and construction materials. And very likely will not even consider visible and potential damages from mold. As your public property claims adjusters, United Public Adjusters & Appraisers team truly considers everything in the big picture, but specifically we factor logistics and actual values into the document as we prepare and submit your claim. Additionally, our dedication does not end with your claims submission. We stay on your case by negotiating with the insurer to bring about the highest settlement your policy allows.

In these, the worst of times for those impacted by 2022’s hurricane season, home and property owners need the services of United Public Adjusters & Appraisers. Our clients state that we treat them like family, and that is the highest accolade we can receive. We work hard for our clients. Period. When you need a firm of property claims adjusters that truly has your back and your best interests, contact our team to learn more.


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