Prolonged exposure to mold presents significant health risks that should not be underestimated. While some people are less sensitive to the presence of mold than others, a substantial portion of the population suffers from mold allergies that could trigger asthma, upper respiratory problems, skin irritation, and other issues.
Even if you’re not experiencing any symptoms yet, continuing to stay in a mold-affected building is not a good idea. Addressing mold issues promptly is essential to safeguarding the health and well-being of anyone who spends time on the property.
Unfortunately, many property owners struggle to fix mold problems because their insurance carriers may refuse to pay. Although insurance policies usually cover mold damage, convincing the insurance company’s adjuster that your mold damage originated with a covered incident is often an uphill battle.
The damage may have been caused by a leaking roof, a burst pipe, or a flood, but your insurance company adjuster might believe that you negligently allowed the area to get wet and then failed to dry it. These situations can be frustrating, but there is a potential solution.
Unsurprisingly, the insurance company’s adjuster will look for reasons to deny your claim—for instance, they might say there’s no proof your leaking pipe caused that moldy spot. After all, they work for the insurance company, and their job is to reduce costs.
But you don’t have to rely on the insurance company’s adjuster—you can hire a public mold damage claims adjuster. This person works for you, not the insurance carrier, and will help you document precisely how your damage happened.
We can assist you with the claims process from beginning to end. Here are some of the ways we can help:
This is a great question. Mold is a common problem—especially in humid areas like Florida—but unfortunately, insurance claims denials for mold claims are also common. What’s the problem?
As we discussed earlier, insurance company adjusters work to save the company money. They want to know how the damage listed in your claim happened so they can look for reasons why they shouldn’t cover the claim. Here are some examples:
These situations can be very upsetting to a property owner who did everything right but still received a claim denial. Fortunately, a mold contamination claims adjuster can help you prove what happened in many of these cases.
Our adjusters have specific strategies in place to properly assess your damage and demonstrate how it occurred. We’ll also review the language in your policy to determine exactly what is necessary to prove you weren’t negligent and a covered incident caused the mold.
Then, we’ll work hard to document your losses, drawing clear lines from the event to the damage.
It depends on the particulars of your case, but if the insurance company is undervaluing or unfairly denying your claim, there is a good chance a public adjuster can get you a more equitable settlement.
Data on policyholders who suffered hurricane damage showed that those who hired public adjusters received settlements that were 747 percent higher than settlements for those who didn’t hire a public adjuster. Policyholders with non-catastrophic damage received settlements of about 584 percent more if they had a public adjuster’s assistance.
Public adjusters work on a contingency basis—we don’t get paid until we settle your claim, and then we take an agreed-upon percentage.
Your initial damage inspection and policy review are free, and there is no obligation to retain our services. But if you do, you won’t owe us anything until you get paid by the insurance company.
Mold damage typically begins with moisture and warm temperatures. Any time you have an accumulation of water or moisture inside your home or office building, there is a potential for mold to move in, especially on porous surfaces like furniture, carpet, wood, or some types of wall materials. Here are some common situations that lead to mold contamination:
Please contact Pinnacle Claim Services for a free damage inspection and policy review today. We’ll carefully assess your damage and determine what kind of work you need to eradicate the mold problem entirely and make your home safe to live in again.
At the same time, we’ll take photos and videos to document your claim and help you describe your damage in language the insurance company adjuster will find hard to ignore. Additionally, we can complete the negotiation process with the insurance company adjuster while you deal with other matters.
Pinnacle Claim Services’ public adjusters are licensed, bonded, and highly educated in the fields of damage assessment and current insurance policy matters. We understand what’s necessary to successfully file a claim, and we’ll know if the insurance company is undervaluing your damage or recommending solutions that won’t fully address the problem.
Because we work for you, not the insurance company, we will always be on your side and fight for your right to fair compensation.
Contact us for a free evaluation at (321) 384-9379
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When disaster strikes, it can be difficult knowing where to turn or who to ask for help. Pinnacle Claim Services’ professional team of Florida public insurance adjusters and support experts are here to assist you throughout every step of your damage claim from emergency services and mitigation through final settlement.
Some of the most common issues people experience with insurance companies after property damage has occurred and a claim has been initiated include: unreasonable delay on the part of the insurance company, inadequate training of the insurance company’s adjusters and adjusters that are “so busy” that your claim gets zero attention and does not progress towards resolution. Additionally, you may not have the appropriate policy with the right type of coverage or limits.
There is no set time period for settling a property damage claim with an insurance company and each claim is different. You could receive a check in a few days or it could be a few weeks. Also, it may take multiple rounds of negotiations and payments for you to be adequately and justly compensated for your claim.
Absolutely not. Some companies do possess better reputations than others and there are some who consistently delay the process unnecessarily. It’s important that you comply with your “duties after the loss” (duty to mitigate etc.) Call us, we can help!
Pinnacle Claim Services will request a copy of your policy, file the proper paperwork for you, put together a comprehensive estimate of damages and negotiate a fair settlement Do not become emotionally burdened. Do not be denied money for repairs you deserve. Rely on Pinnacle Claim Services to work on your behalf, keeping you informed throughout every step of the process to get every penny you deserve from the insurance companies.
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