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  • Writer's pictureMaria Shalack

Navigating Claims: Water Damage Vs. Mold

Water and mold damage are common issues faced by homeowners, especially in the humid climate of Florida. They can cause significant distress and property damage. However, knowing the differences between water damage and mold damage (water damage vs mold) and how they are addressed in insurance claims can help policyholders navigate these unfortunate situations more efficiently.


Water damage often occurs as a result of various incidents such as burst pipes, flooding, roof leaks, appliance leaks, or even natural disasters such as hurricanes or tornadoes. The intrusion of water into your home can lead to a variety of complications, ranging from structural damage to the growth of harmful mold.


On the other hand, mold damage is typically an aftermath of water damage. Mold thrives in damp or humid environments, often found lurking in areas that have been affected by water damage. This makes mold damage more complex, as it is considered a consequence of water damage and not a separate incident, which affects how your insurance policy may cover it.

Water Damage Vs. Mold (Coverage)

When it comes to insurance coverage, water damage is usually covered under homeowners insurance policies. However, mold damage may not always be covered as it's frequently seen as a "result" of the initial water damage. The process of filing for these two types of claims also differs.


Water damage claims require documentation such as photos, receipts, and estimates, while mold damage claims necessitate further proof of mold testing and special mold remediation.


It's important to understand the timeframes as well. Water damage claims typically need to be filed as soon as they are discovered. Some policies even contain a time limit of 14 days for water damage claims. In contrast, the mold damage claims may have a longer window due to the nature of mold growth and discovery. Sometimes the mold is only discovered after a wall has been opened or a cabinet has been removed, and it could be several weeks after the water damage incident.


In one example, we've seen a homeowner experience water damage which was immediately addressed, but mold began to grow unnoticed behind a wall mirror. The insurance company initially refused to cover the mirror replacement, but upon discovering the mold, we were able to reopen the claim to cover mold remediation, the mirror, and other items initially left out of the estimate.


Despite the complications, having a public adjuster to guide and manage the claim can simplify the process. It's important for homeowners who have experienced either water damage or mold damage to contact their insurance company promptly. The sooner the claim is filed, the sooner the repair and restoration process can begin, bringing your home back to its pre-loss condition.


Remember, every case is unique, and a public adjuster can assist in maximizing your claim.


Especially with mold, it's critical to get a certified mold inspector or assessor involved to perform mold testing and write a protocol that will be submitted to the insurance company.


We can help you coordinate all these vendors and appointments in order to facilitate the process. Don't navigate these claims alone; a public adjuster can burden the insurance company with the constant communication, leaving you to focus on other important aspects of your life.

Water Damage Mold Types

Florida's hot and humid climate can often encourage the growth of various types of mold, especially in homes where water damage has occurred. Here, we'll explore some of the most prevalent types of water damage mold you may encounter in Florida homes.


Stachybotrys chartarum, often referred to as "black mold," poses significant health risks. Considered one of the most hazardous types of mold, black mold exposure can lead to respiratory distress, allergic reactions, and, in severe cases, even conditions like cancer.


Next, we encounter Aspergillus, another type of mold that can impact your health. While it might not be as harmful as black mold, Aspergillus can still cause allergic reactions and respiratory issues, making it a concern for homeowners.


Penicillium is another variety of mold found in homes experiencing water damage. Although it's generally less harmful than Stachybotrys chartarum and Aspergillus, Penicillium can still trigger health problems for certain individuals, particularly those with pre-existing respiratory conditions or allergies.


Mold thrives in humid environments, making Florida homes particularly susceptible, especially if they've experienced water damage from incidents like burst pipes, AC leaks, or roof leaks.


If you suspect mold in your home, it's critical to call a public adjuster in Florida to give you insights and assess you on how to proceed and engage with a professional for mold testing.


This helps identify the mold type and assess the extent of the infestation. If mold is confirmed, professional remediation is essential, and filing an insurance claim is important.


Water Damage Mold Insurance Claim

Here is a simplified breakdown of how a Florida public adjuster assists with water damage mold insurance claims:


  • Initial Contact: The process begins when the homeowner reaches out to a public adjuster, a licensed expert who aids policyholders in filing and negotiating insurance claims. Although public adjusters charge a fee that's a percentage of the claim payments after the signing of the agreement, they can save homeowners significant amounts of money and time by advocating on their behalf with insurance companies.

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  • Damage Assessment: The public adjuster will then thoroughly examine the home to assess the extent of the water and mold damage. During this process, they will collect the necessary documentation, such as photographs of the damage, repair estimates, and any relevant receipts. They can also recommend a mold assessor to test for mold, a plumber to determine the cause of loss, and a restoration company to dry out or perform mold remediation.


  • Claim Filing: Once the damages are assessed and documented, the public adjuster takes the responsibility of filing the claim with the homeowner's insurance company. Their role includes communicating and negotiating with the insurance company to secure the highest possible settlement for the homeowner. The Public Adjuster will also meet with the insurance company adjuster and outside professionals sent to the property for inspections. In addition, the Public Adjuster writes an estimate of the damages and files the necessary documentation required by the policy.


  • Claim Review: The insurance company will then review the claim submitted by the public adjuster. They will evaluate the scope of the damage and the associated costs and then make an initial offer to cover the repairs.


  • Negotiation: If the insurance company's offer is insufficient to cover the damages, the public adjuster steps in again. They will negotiate with the insurance company, striving to increase the offer. If the insurance company does not agree to fully cover the claim, the public adjuster can escalate the issue to appraisal, arbitration, or recommend an attorney for litigation.


  • Claim Settlement: Once a satisfactory claim settlement is reached, the public adjuster can assist the homeowner with the mortgage company's endorsement of the check.


A skilled Florida public adjuster is invaluable during the complex process of insurance claims, especially in cases involving water damage mold, where claims can often be complicated and contentious. They advocate for the homeowner, protecting their client's interests and maximizing the claim's potential.


Benefits of Hiring a Public Adjuster in Florida

Securing the services of a public adjuster can bring numerous advantages for policyholders dealing with water damage mold insurance claims. Firstly, public adjusters bring a wealth of experience in handling insurance companies. They are adept at steering through the intricacies of the claim process and are committed to securing the most favorable settlement for their clients. A good Public Adjuster knows the insurance policies in your area and has relationships with the insurance adjusters.


Moreover, the payment structure for public adjusters is contingency-based, implying that their compensation is directly tied to the success of your claim. They only receive their fee if they successfully acquire payment on your behalf.


Lastly, the most significant of the benefits of hiring a public adjuster in Florida is the potential cost savings that a public adjuster can offer. Their proficiency in negotiating with insurance companies can lead to securing a higher settlement, often exceeding what policyholders might have achieved on their own. This benefit alone often justifies the decision to hire a public adjuster to manage complex claims.


Should I File a Home Insurance Claim for Water Damage


For homeowners considering filing a home insurance claim for water damage or mold, several factors need careful deliberation.


Foremost, verify if your insurance policy covers the water damage. Coverage varies across policies, emphasizing the importance of thoroughly understanding your policy.


Next, evaluate if the cost of repairs justifies a claim. Minor damages might be more economical to fix out of pocket, but substantial damages may necessitate a claim.


Thirdly, consider the claim's potential impact on your insurance premiums. Claims could lead to increased rates, necessitating a balance between immediate financial relief and potential long-term costs.


Once you've decided to proceed with a claim, certain steps can facilitate the process:


  • Document the damage with photos to substantiate your claim.

  • Determine the cause of loss by hiring a plumber, contractor, or HVAC Tech. Make sure to have a report of what’s causing the damage.

  • Do not hire a restoration company or incur expenses until you have checked your coverages and make sure it is covered under the policy.

  • Keep all evidence for the insurance company to inspect

  • Protect the property from further damage.

  • Obtain estimates from multiple contractors to ensure you get a fair deal for the repairs.

  • File your claim promptly. Quick action can expedite the initiation of repairs.

  • Be ready to respond to your insurance company's queries about the damage caused, repair costs, and any damage mitigation efforts.

Further factors that may influence your decision include:

  • Deductible: A claim might not be beneficial if the repair costs fall below your deductible.

  • Insurance company's claim responsiveness: If you've had negative past experiences with your insurer, consider another provider for your claim.

  • Financial standing: Financial hardships might necessitate a claim to afford necessary repairs. Conversely, if financially feasible, out-of-pocket payment for repairs could avoid potential premium increases or underwriting reviews.

The decision to file a claim is highly personal and depends on your unique situation. In case of uncertainty, consider the help of a public adjuster who can provide expert advice and assistance.


A&H – A Public Adjuster in Florida

If you find yourself considering employing a public adjuster in Florida, particularly for water damage or mold-related claims, A&H Public Adjuster Corp. stands ready to assist. Under the expert guidance of Maria E Shalack, a licensed adjuster with a track record spanning from 2002, we've specialized in providing comprehensive assistance to Florida property owners with their intricate claims. Contact us today to gain deeper insights into how we can help you navigate the complexities of water damage and mold claims.


Water Damage Vs. Mold
Water damage vs Mold

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