Mold Damage & Contamination Claims

Understanding Mold Damage

In the past, mold damage claims were covered under most property insurance when it resulted from a covered peril, such as a sudden plumbing leak, fire control, storm or other cause covered by your property insurance policy.

Concerns have increased due to public awareness and scientific knowledge about mold and its health related hazards. The clean-up, removal and remediation techniques are costly and hazardous to the personnel completing them. In response to the public concerns, insurance carriers are removing such coverage from their policy forms regardless if it results from a covered peril. In some instances, the insurance companies offer a limited coverage for mold/fungus for an additional premium.

Mold contamination should be taken very seriously as it can cause severe illness to some people and considerable damage to property. Before the changes to exclude mold coverage from policies the carrier quickly minimized the impact of mold often suggesting a little bleach as a solution. Insurance company representatives often quote the policy exclusions for mold even when coverage may exist for your mold damage.

Mold damages often require testing to identify the remediation protocol for your specific type of mold damage. Once a protocol is prepared, a remediation contractor will follow this document when removing the damage from the building. Upon completion of the remediation, air clearance testing is needed to determine the success of the contractor’s efforts.

Miles Corbitt, Principal Adjuster – State of Florida License # W494731
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