Florida Mold Damage Property Insurance Claims
Mold has the potential to cause substantial damage to your property. You deserve to be compensated for the full extent of your covered damages. Unfortunately, all too often, mold damage claims are illegitimately denied by insurance companies. If you believe that your mold damage claim was wrongfully denied, or you have questions about mold damage claims in general, please contact an experienced Broward County property insurance attorney for immediate legal help.
Four Mold Damage Insurance Claims Tips
- Report the damage as soon as reasonably possible: Under the terms of your insurance policy, you will likely have an obligation to report your mold damage within a reasonable timeframe. The best thing to do is to get a representative of the insurance company on the phone as soon as you discover any mold damage. You do not need to have all the details at this point; you simply need to report that damage has occurred. Further, you should follow up this phone call with a letter, email or a fax stating the same information. It is always best to get a written record of any communication with the insurance company.
- Protect your property from additional damage: Policyholders sometimes get seemingly conflicting advice. Your insurance company will likely tell you not to make any permanent repairs before an inspection of the mold damage can take place. However, you will almost certainly have a duty to mitigate damages in your insurance policy. This can be confusing because sometimes the line will be blurred. However, as a general rule you should always do what you can to protect your property from any further mold damage.
- Thoroughly document your losses: A full property insurance recovery requires a thorough accounting and documentation of your losses. You should take pictures and videos of the damage and also extensively inventory all losses. Everything should be dated. Keeping well organized records will go a long way towards helping you make a successful mold damage claim.
- Understand your policy: Check to see if you have a full copy of your insurance policy. If you do not have one, please get one from your insurance company or insurance agent as soon as possible. You need to review your policy to see the extent to which your mold damage is covered. Specifically, you should take a look at the declarations page. This section of your policy will generally tell you what type of coverage you have, what the precise policy limits are, and the effective dates of the policy. Always check the endorsements as well, as that section will inform you of any changes to the policy language.
Contact Our Office Today
You deserve a fair settlement offer from your insurance company. If you have recently filed a mold damage claim, and you received a denial letter, please do not hesitate to contact our Sunrise office today at (954) 990-5251 to set up a free review of your case. At Geyer Fuxa Tyler, our experienced property insurance attorneys proudly serve clients throughout Broward County, including in Fort Lauderdale and Pompano Beach.