Mold is one of the worst things you can find in your home. It can trigger health conditions, such as asthma and allergic reactions. It can also eat away wood and other materials in your house. Even when the problem is caught early, it can be very costly to remove mold and replace damaged property.
Dealing with a mold problem is scary, but help is available. Our Miami mold damage lawyers can help you file your claim with the insurance company. We will stand up for you if your insurance unfairly denies your claim or tries to pay less than what you deserve.
At Klotzman Property Damage Law, we have years of experience helping Florida residents get insurance settlements for mold damage. Call our Miami property damage lawyers today at 954-915-7405 for a free consultation.
What Should I Do if My Home Has a Mold Problem?
If you detect a mold problem in your home, condo, apartment, or business, we urge you to follow these steps.
Hire an Inspector
If you have a mold problem in your home, you first need to hire a professional inspector to come out to your home and diagnose the problem. It helps to have a record of the mold findings when filing a claim because you’ll want the insurance company to help cover the cost of mold remediation services.
Gather photographic evidence of the mold damage. Make sure you take photos of any water damage and any other causes of mold damage. This photographic proof will come in handy if the insurance company attempts to deny your claim.
Notify Your Insurance Company and File a Claim
You’ll want to file a claim with your insurance company so that you don’t get stuck footing the bill for fixing mold damage. Of course, that may be easier said than done. It’s best to get help from a mold damage lawyer who will fight for your ability to receive compensation for the mold damage.
As an experienced and award-winning law firm, Klotzman Property Damage Law can handle your case and help you get the compensation you need and deserve to receive.
Consider Hiring Mold Remediation Specialists
You’ll want trained and licensed professionals to handle mold remediation to get the job done for you. You’ll also want to find out the underlying cause of the mold so that you can stop it. Specialists can perform an inspection to determine why you’re dealing with mold in your home in the first place.
Mold remediation can be expensive, and homeowners’ insurance may not cover mold damage in certain circumstances. Check with your insurance company before paying for mold remediation.
What Are Some Common Causes of Mold?
Most people wake up one day and suddenly see mold and are startled by it, not realizing where it came from or how it got so bad. Unfortunately, some people don’t even recognize mold growth until it’s already so bad that it’s become a health hazard.
So, what exactly causes mold to appear in properties? The following are a few common culprits.
It’s possible you’re dealing with mold in the home because a leak is making its way through the roof or the foundation of your home. In some instances, the most effective way to combat mold is to repair the foundation or install a new roof. The specialists can provide information on the underlying cause of your mold growth to help you discover the actions you’ll need to take to avoid mold growth in the future.
If your home is prone to flooding, mold can start growing at a rapid pace. Even if you remove all the excess water from the building, it’s still a problem because you may have moisture that leads to mold growth. So, simply removing water with buckets and putting towels down to soak up that water isn’t enough. You’d need to dry out every room to eliminate the moisture and prevent mold growth.
Mold thrives in high-humidity areas with plenty of moisture. It’s why it’s often found in the bathroom, where there’s plenty of water and steam from hot baths and showers.
With this in mind, your mold problem could be caused by flooding or leaks that you’re not even aware of, such as window leaks. There’s a chance that your windows are causing excess moisture to get into the home, thus resulting in more mold growth.
Does Homeowner’s Insurance Cover Mold Damage?
Generally, homeowner’s insurance only covers mold damage if it is caused by an event or circumstance that is covered by your policy.
Your policy may cover mold damage caused by the following.
- A broken water heater
- Water damage caused by extinguishing a fire
- A burst or frozen pipe
On the other hand, mold damage caused by a lack of upkeep generally isn’t covered by homeowner’s insurance. This includes mold growth due to the following causes.
- Improperly sealed doors or windows
- An unaddressed leaky faucet
- Poor ventilation in a moist room, like a bathroom
Be aware that standard home insurance policies typically don’t cover flood damage or damage from water backup and sump pump failure.
Some insurance companies have a cap on what they will pay for mold damage. It’s critical to read through your policy carefully to understand the extent of your coverage.
How Does Mold Affect Me and My Family?
Mold can have such a negative effect on you and your family. While it’s not always easy to see, you’re breathing it in each day when it continues to live and grow in your home.
According to the Environmental Protection Agency (EPA), mold exposure can cause you to experience allergy-like symptoms, such as an itchy throat and watery eyes. However, this tends to get worse for those prone to asthma attacks. In addition, it can cause you to experience allergic reactions, such as a rash throughout the body.
After a while, it can begin taking such a toll on you and your loved ones that it leads to something known as Toxic Mold Syndrome.
Toxic mold syndrome is a massive concern because it can cause memory loss, headaches, and chronic fatigue. Along with the health problems mold can cause, it can also lead to a financial struggle, with you constantly putting out more money for products and services to get rid of the mold from your home.
It can take months to identify a mold problem, by which time the property can become completely contaminated. Even when identified quickly, removing mold and replacing damaged property is often costly.
Mold feeds on organic materials (including wood), causing them to rot. Mold can also eat away at materials like wallpaper, drywall, carpet, floorboards, and other structures inside the home. Left unchecked, mold can cause damage severe enough to lead to collapsed ceilings, caved-in floorboards, and falling walls.
How Can a Miami Mold Damage Lawyer Help With a Claim?
Mold growth is often caused by issues that are covered by your homeowner’s insurance policy. However, most insurance companies will fight to deny your claim if they can or will attempt to pay you less than you deserve.
Our team at Klotzman Property Damage Law can help you file your claim with documentation showing the cause of your mold problem. Our Miami mold damage lawyers will stand up for you if the insurance company tries to take advantage of you.
Call Us Today for a Free Consultation!
If your home or business has a mold infestation that has damaged the building’s structure or your personal belongings, you may be entitled to compensation. Our attorneys at Klotzman Property Damage Law understand that mold damage in residential and commercial buildings can be costly.
Insurance companies will often try to deny your claim or pay you less than you deserve for mold damage to your property. We are ready to fight for your rights and will not allow the insurance company to cheat you.
If you’re dealing with mold in your home and need legal assistance, we’re here to help you! Reach out to our Miami law firm today at 954-915-7405 to schedule your free consultation.