Mold Damage Claim Miami

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Mold damage claims are complex issues because insurance policies have various limitations when dealing with Mold. Certain insurance policies either limit the payments that can be made or exclude them altogether. The trained staff at Alconero and Associates Public Adjusters can fully investigate the cause and origin of the mold so that we may properly report it to your insurance company. It is important to act fast when evidence of Mold is seen in order to avoid any health risks.

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.

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Insurance company representatives often quote the policy exclusions for mold even when coverage may exist for your mold damage. Alconero and Associates Public Adjusters can assess your mold damage claim and advise the necessary course of action.

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.

After first investigating the loss, your Alconero and Associates Public Adjusters representative will advise you on the most effective and accurate way to assess and document your mold loss including advice on whether the use of outside experts is warranted and necessary.

Our clients love us and you will too!

I used Alconero and Associates Public Adjusters because I didn’t have the time or desire to deal with insurance claims. They took over completely and handled everything for me. The final settlement was extremely fair and I couldn’t be happier.

– Nikolas Brooten

The settlement you got for my dwelling and personal property was much more than I ever expected to receive. My insurance company’s information in the first place was really miles away from what it turned out to be. It was an amazing great job done in our favor since the very first day we met. Thanks!

– Elsie Spear

When our house caught fire we were absolutely devastated. You know you need to claim your insurance for the damages to start all over again and this is kind of adding insult to injury. I am so grateful that I have met the wonderful team at Alconero and Associates Public Adjusters who have patiently worked my case and exceeded my expectations. The insurance company was treating us like low class citizens, and in my opinion trying to cheat us. Raul and his team was able to assist and it has been an excellent experience. I will recommend Alconero and Associates Public Adjusters with flying colors.

– Barclay Widerski

You are such a wonderful and caring group of people. Thank you for handling all the details that helped to move our settlement along expeditiously. My fire claim was expedited and settled much faster than my neighbors’ claims, and my settlement was far more generous.

– Coriss Ambady

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