We’re the Mold Damage Insurance Claim Experts! Hire JF Public Adjusters today.
- We’re the #1 Rated Public Adjuster in New York
- Our goal is to maximize your insurance claim settlement
- We serve both commercial and residential clients
- Our clients love the seamless claims experience we offer
- We manage your claim from lodgement to settlement
- You benefit from our extensive network of plumbers, restoration companies, roofers, builders, brokers, property managers, and many other industry professionals
- We have hundreds of happy clients in New York, New Jersey, Connecticut and Pennsylvania
- We have recovered tens of millions in insurance claim settlements
When is mold damage covered by insurance?
Mold damage is typically covered by homeowners insurance if it’s the result of a covered peril, such as sudden and accidental incidents like a burst pipe or water damage from firefighting efforts.
For instance, if your water heater bursts and floods your basement, leading to mold growth, your insurance may cover the resulting damage. Similarly, if a fire in your home is extinguished with hose water, causing dampness and mold, it may be covered under your policy.
When is mold damage covered by insurance?
When is mold damage not covered by insurance?
However, mold damage may not be covered if it’s the result of neglect or long-term issues that weren’t promptly addressed.
For example, if a pipe under your kitchen sink leaks for months without repair, resulting in water damage and mold growth, your insurance may not cover it due to negligence. Similarly, if rain continuously seeps inside through an improperly sealed window, leading to mold growth over time, it may not be covered under your policy.
Typically, homeowners insurance won’t cover mold damage caused by wear and tear, long-term leaks, moisture from construction, or inadequate repairs. If mold grows due to a situation that could have been prevented or addressed promptly, insurance coverage may be limited or nonexistent.
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A Minor Mistake Can Reduce Your Chances of Getting the Maximum Compensation for NY Mold Problems
In an insurance claim, you must keep in mind that the insurance company’s representatives are not necessarily looking out for your best interests. The insurance company is a for-profit business and one of the ways they can maximize profits is by reducing the cost of claims. You must therefore be mindful of how you manage your claim. The insurer can use your lack of knowledge and expertise to convince you to accept the minimum compensation that won’t even cover the cost of mold removal and mold remediation.
In general, policyholders often forget to collect the proper evidence before starting the mold removal and mold remediation process. Even if they try to collect the evidence, they fail to highlight the aspects that may convince the insurance provider to cover the damage.
You can make many other mistakes while managing the insurance claim alone, such as:
The insurance company’s representatives are aware of the mistakes an individual can make while handling the insurance claim alone. They won’t miss a single chance of securing the insurance provider’s interest because this is what they’re paid for.
Whether you agree or not, you can’t interpret the insurance policy’s terms & conditions better than an insurance adjuster. That’s why you need someone by your side who can secure your interests throughout the process.
The professional team of JF Public Adjusters can help you because we’ve years of experience dealing with insurance companies. So, get in touch with us to arrange your free claim review and consultation.
How JF Public Adjusters Make The Insurance Settlement Process Easy
1. Free Consultation: We’ll complete a free claim review and consultation. We can even visit your property if you would like us to.
2. See If We’re a Good Fit: You can ask us any questions and we’ll discuss the loss recovery process based on your circumstances and the results you are after.
3. Hire Us and Love Life: Get back to living life and let JF Public Adjusters manage the claim adjustment for you.
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