Mold exposure is a serious concern that any property owner should promptly address. There are serious health hazards attached to prolonged exposure. Some people may never feel the effects of mold in their home, but many people have what is known as a mold allergy, where exposure can promote allergenic or asthmatic symptoms.
Mold is also notoriously a difficult type of coverage to claim under because your insurance company will want undeniable evidence that the mold is directly caused by water damage, as described in your policy and not neglectful care. A public adjuster can help with making a claim and seeking the full amount of benefits needed for repairs.
Property damage is a stressful situation to manage, and sometimes an insurer will use your inexperience and willingness to get the process over with against you. It’s important to have advocates and resources, which is why Pinnacle Claim Services is here to help South Floridians like you. We have handled hundreds of claims as a team of trained and experienced public adjusters. Our knowledge of insurers’ most common tactics will become a prime asset in recovering a fair settlement for your claim.
We’d love to talk with you about your claim. You can schedule a free damage inspection and policy review in minutes by visiting us online or calling (239) 310-4808.
Our 5-star public adjusters are here to jumpstart your claim process with no upfront cost. We provide our claim services on a contingency basis, meaning that we don’t get paid until you do.
Our simple and easy 3-step process will help us navigate the best strategy for your claim:
You shouldn’t have to bear the stress of dealing with your insurance company alone. We can work on your behalf, advocating for your best interest. We will review your Florida homeowners insurance for mold and hold your insurer accountable. We have locations throughout South Florida with service areas in Deerfield Beach, Palm Beach Gardens, Naples, and Melbourne. Our top priority is getting you the best outcome.
Our experienced public adjusters can help you with:
We value your time. That’s why we are available 24/7 to schedule your in-home estimate.
Mold has a tricky claim process — because insurers purposefully make it hard to claim mold damage under common coverage areas.
An insurance company will want to know what caused the mold. When did you notice it? Did you delay treatment, increasing the cost of repair? Did something else break cause a leak resulting in mold?
Make sure you know how to check for mold after water damage in case a leak creates mold spore growth. Ceilings, walls, and baseboards are the most common places to find mold and will increase the cost of roof leak repair, baseboard repairs, or wall removal/cleaning. Every aspect of the mold damage is important, so you deserve to have quality resources with the expertise to tackle all questions and pushbacks.
A public adjuster, explicitly hired to represent you and your best interest, understands it takes concrete proof to convince an insurance company they owe you homeowner’s insurance benefits for mold damage. We have our own strategies to assess the damage and document it concerning the specific language of your policy.
While you may have handled one or two claims independently, a public adjuster has seen hundreds and maybe thousands of property damage claims throughout their career, giving them the experience necessary to take on an insurance company’s representative confidently.
For catastrophic claims, those who experienced property damage from the 2005 hurricanes recovered over 700% more on average when they hired a public adjuster. Even in non-catastrophic claims, working with a public adjuster can get the insured on average 574% more than if they were to continue independently.
Some of the most common causes of mold are:
Mold spores thrive in a humid environment like South Florida, so catching them early will prevent extensive damage. Sometimes, you may not even realize that mold spores have started to grow.
Additionally, we can assist with any of the most common property damage claim areas, as in many instances, more than one type of damage is caused. Some of the areas we service for property owners include:
In just about any instance of property damage, a public adjuster can provide their experienced services, act on your behalf, and negotiate for the fairest settlement possible.
Getting homeowners insurance to cover mold removal depends on the cause of the damage and how your policy specifies coverage.
Pinnacle Claim Services will review your policy for free to determine the extent of liability on your insurer, then prepare a plan to hold them accountable. We will negotiate on your behalf to secure the fairest settlement that reflects the damage’s severity and get your family back to normal in your home.
If mold grows in your home, it needs to be removed without delay. Otherwise, it will grow and produce allergens, irritants, and toxic substances. When grown outdoors, minimal damage is done by mold.
When it’s hiding in the confined spaces of your home, such as dark and moist air ducts, the growth of mold can become a severe health issue. Inhaling or even touching mold spores can cause an allergic reaction. People can experience everything from colds and skin rashes to asthma attacks when exposed to mold.
You must get all mold removed from your property as soon as possible. You can rely on Pinnacle Claim Services to ensure you, your family, and your property are protected from all the risks caused by mold.
If you see mold growing anywhere in your home, you must call a professional mold damage team to clean up your residence before it causes a risk to your structure or, more importantly, your health.
Don’t let your insurance company push you around. Show them that you’re serious by hiring representation. Public adjusters are the only professional adjusters legally recognized to help Floridians through this stressful process.
Pinnacle’s public adjuster services are local, top-rated, licensed, and insured. Our services are meant to give you more time to focus on the things that matter during a property damage situation, like taking care of your family and loved ones.
We are available anytime! Contact us online or call (239) 310-4808 to schedule a time to complete an on-site estimate. According to the Federal Emergency Management Agency (FEMA), the spores can be designated as a mold problem in just 24-48 hours of growth. Mold acts fast, and so should you. Call today!
Living in South Florida, we are no strangers to natural disasters.
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Insurance Claim Review
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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