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Mold Damage Insurance Claims After a Tropical Storm

By August 17th, 2023No Comments
Home with mold damage

The aftermath of hurricanes and tropical storms is often more devastating than the storm itself; especially when property damage is concerned. Between no air conditioning due to power outage, high humidity and rainwater damage from trees falling through homes, the conditions are a recipe for secondary damages such as mold.

Storms present other unique secondary damage situations.  In a recent example, United Public Adjusters & Appraisers Inc. managed a property insurance claim where a large tree crushed the third floor of a home which led the homeowners to immediately shut off the power to prevent a fire as electrical wiring was exposed to rainwater. Due to the power shutdown and having an exposed roof with interior water damage, mold grew immediately.


Interestingly, according to the CDC, there is a little mold everywhere, including the air and on surfaces and FEMA notes that mold will develop within 24-48 hours of water exposure. The issue arises where environmental conditions cause mold to spread quickly through open doorways, windows, vents, and heating and air conditioning systems. Mold can grow drastically around leaks in roofs, windows, or pipes, or where there has been flooding; as in the case of a rainstorm.


Policyholders should be aware of typical mold policy coverage and specific policy language. Mold coverage typically applies when the loss or costs are the result of a covered, direct loss and if all reasonable measures were used to save and protect the property from further damage. Very often policies have sub-limits on the amount paid on mold testing, removal, treatment and cleanup.


Mold cleanup can be tricky but managing a mold insurance claim can become a nightmare. It is best to have an advocate on your side to help decipher coverage and to make sure correct steps are taken so that your claim is not delayed, denied or underpaid. United Public Adjusters & Appraisers Inc. has plenty of experience with mold claims and can assist with mitigation efforts.

We are currently offering complimentary policy reviews and would welcome the opportunity to see how we can help in your specific case. Give us a call today at 1-800-718-LOSS. Help is just a call away.


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