Is Your Home Making You Sick?

Is Your Home Making You Sick?

Common Symptoms of Mold in Your Home

  • Allergies, asthma attacks, and other respiratory issues.
  • Coughing
  • Itchy & watery eyes
  • Exposure to toxic substances produced by some mold cultures.
  • Dizziness & fatigue
  • Difficulty focusing
  • Itchy and dry skin

Areas Where Mold might be Present:

  • Drywall (plaster walls are more resistant to mold growth)
  • Carpets & carpet pads
  • Insulation
  • Wood framing
  • Wallpaper & other wall coverings

Tips for Residential Policyholders During a Mold Insurance Claim

  • Ensure the safety of yourself and other occupants
  • Always wear PPE (personal protective equipment) goggles & N100 respirators
  • Take initial photos and a list of damaged property (Interior & Exterior of a building)
  • Locate your property insurance policy (hardcopy & PDF if possible)
  • Immediately take steps to prevent further damage
  • Contact Floridian International Adjusters for a FREE CONSULTATION!
  • Provide prompt notice of loss to your insurance company
  • Develop a plan and claim management strategy with your public adjuster

Does my Insurance Cover Mold?

In many states mold coverage can be purchased as an endorsement, however, we have found policies in other states that include mold insurance claim exclusions in their policies. Mold coverage is typically provided with limitations of coverage within or in addition to dwelling coverage. For example, a mold limit of $10,000 or $50,000. Some policies also have mold aggregate limits. Presenting a mold insurance claim to an insurance carrier requires careful analysis and interpretation of the insurance policy. A clear understanding of the cause of the mold growth should also be determined.

Note: This article is informational only. When making purchasing decisions, conduct your own research.