Mold damage can be extensive and cause a lot of problems in your home. This is why many people look at mold damage insurance as this will cover the costs of mold remediation. However, if you need to make a claim from your insurance, you need to know what you should and should not be doing.
Contact Your Insurance Immediately
You should not wait to contact your insurance when you have a mold problem. When you have the first hints of a potential claim situation, you need to contact your insurance provider and tell them about this. The call that you place should be followed by something in writing whether this is a letter or email.
When you contact your insurance, you need to take detailed notes of all conversations that you have. Your notes should include what the insurance adjuster said, their names and phone numbers. Any agreement that you reach with the insurance will need to be in writing. You should also keep detailed notes on every conversation and meeting that you have with anyone involved in your claim.
Review Your Policy
If you do not have a complete copy of your mold damage insurance policy, you need to get one from your insurance company. You should take the time to review the declarations page which will tell you about the coverage that you have. It will also tell you about the limits on each type of coverage and the effective dates of the policy.
At this point, you will also need to look at the fine print of the policy. This is where you will find any exclusions to the coverage. The fine print will also tell you more about what you have to provide to prove that you have a genuine claim.
Protect Your Property From Further Damage
It is important that you take steps to prevent further mold damage to your property. However, you need to be careful with this as you do not want to dispose of any damaged property until after the insurance inspection. Before you take any prevention steps, you should document the damage.
The first step in preventing further damage is to turn off the water supply if the mold has been caused by broken appliances or pipes. You should also move any personal items out of the area with the mold to prevent it spreading. In some mold claims, you will need to hang onto contaminated items until they have been sampled by a laboratory, but you need to store them in plastic packets to stop the mold spreading.
Learn Your State Laws
While your insurance policy will dictate your coverage, there are regulations and statutes in every state which affect the minimum standards for handling your claim. It is important that you understand the laws in your state so you know what legal protection you have. It is possible to find this information through the state department of insurance or the insurance regulators website. You need to take the time to look at this to ensure that your claim is being handled legally.