Oh NO…..Yucky, yuck, yuck MOLD !!!!
It’s a SCARY thing, to think that you have a mold situation in your home or business property. Then even more, to know that the insurance company is refusing to cover the proper removal of it. Well there are some key specifics to research before just throwing up your hands and giving in to the “BIG BAD” insurance company.
Do you have a key endorsement on your policy that provides coverage ?
This would mean that you actually need to LOOK/READ over your policy. OH NO !!! - If you have no idea what your policy says in regards of MOLD then you’re at a HUGE disadvantage. There are some policies with some insurance companies that have an added endorsement which, although there may be limitations, there is coverage for the removal & reconstruction of the damaged areas as a result of the MOLD !
What is the event behind the MOLD being there ?
So what happened ? Was it your water heater bursting, wash machine hose coming detached, air condition unit spitting out water, shower/bathtub drains causing water damage, sump pump failing to do its job………….What happened is VERY, VERY important. This answer to this question may also provide coverage when the insurance company is attempting to DENY coverage.
Bottom line is this, MOLD is a very yucky topic, but the insurance company is NOT always justified in denying your claim. If you just “stick your tail between your legs” then they WIN !!!
DO your homework before calling them, or better yet just call ME your Licensed Public Adjuster 1st !!!!!!!