Mold Damage Claims
Mold usually follows hidden moisture. We trace where it started and document the testing and remediation your policy may cover.
What We Look For
Mold is rarely the whole story. We trace it back to the moisture behind it.
Visible mold
Mold you can see, and where it has spread.
Hidden moisture
Moisture inside walls, floors, and ceilings that can support growth.
Source of moisture
The leak or loss that started it.
Testing
Mold testing and inspection costs.
Remediation
Containment and removal costs, which many policies limit.
Damaged materials
Drywall, insulation, cabinets, and flooring.
Sudden or gradual
Whether the water source was sudden or ongoing, which can affect coverage.
ALE
Additional Living Expenses: the cost of living elsewhere while you rebuild.
What To Do Right Now
You are dealing with a lot. These steps protect your safety and your claim.
Stop the moisture. Fix or shut off the source if you can do it safely.
Avoid disturbing it. Scrubbing or disturbing mold can spread it. Ask your insurer or us first.
Photograph everything. Take photos and video of the mold and the affected areas.
Report promptly. Tell your insurer and write down your claim number.
Keep records. Save receipts, test results, and any contractor notes.
Call us before you accept an offer. A free claim review takes about two minutes to start, and there is no cost to review your claim.
Mold Claim Questions
Does Insurance Cover Mold?
Many policies limit or exclude mold unless it follows a covered loss, and sublimits are common. We read yours with you.
Why Was My Mold Claim Limited?
Mold coverage often has its own cap. We check the limit and what counts against it.
Who Pays For Mold Testing?
Some policies cover testing as part of a covered loss, and others do not. Your policy decides.
Can I Hire You If My Claim Is Already Open?
Often, yes. Bring your policy, your claim file, and any carrier letters, and we will review where things stand.
How Long Does A Mold Claim Take?
It depends on the size of the loss and how the insurer responds. We explain the likely timeline in your free claim review.
Other Claims We Handle
Water Damage
Leaks, appliance failures, and flooding, with full drying and repair scopes.
Learn More about Water Damage
Frozen Pipes
Burst and split pipes, freeze damage, and the water loss that follows.
Learn More about Frozen Pipes
Denied Claims
A second look at denial letters, the policy language cited, and the reasons given.
Learn More about Denied Claims