Ft. Lauderdale and Broward County in general is home to many wildlife, nature parks and it’s right next to the everglades. Fort Lauderdale in general is prone to floods, hurricanes and roof leaks. These factors all lead to mold or mildew. Even though mold thrive off this environment, mold exists in your home too! It isn’t something that you can avoid but it is something you can prevent or maintain. Always seek the help of a fort lauderdale public adjuster for mold if your home has suffered water damage.
Can Homeowners Insurance Cover Mold Damage?
A chunk of insurance policies are not covering mold damage due to the idea that homeowners themselves can prevent mold and mildew. However, one option you can do is do a “buy-back endorsement” this means that you pay more towards your insurance in exchange for mold coverage. It is unnecessary, but it is a good policy to have especially living in Ft. Lauderdale because mold thrive off of heat, moisture and humidity.
Filing an Insurance Claim:
What to expect when filing an insurance claim for mold damage:
- You must provide your name, address, contact information such as telephone number, and most importantly, your policy number.
- Descriptive details of the location and date of the loss and damages
- If you contact any of your local authorities be sure to have a copy of a report and information of all the authorities, you talked to
- If you also have called any emergency services or mitigation damages services, document and get ahold of their information as well.
Public Adjusters and Mold Damages in Fort Lauderdale
Public adjusters are made to help you in your claims process especially if your insurance company has denied or underfunded your claim in Fort Lauderdale. Speak to our public adjusters today to help you in the claims process. Here’s an example of what you can expect out of our public adjuster:
- Contact us for a free consultation
- Meet up and discuss the damages that were done
- We will provide an inspector or one of our public adjusters will inspect the damages
- We will investigate all the documents and damages and give you an estimate and negotiate the amount with your insurance company.
Preventing Mold Damage
Mold can be very alarming and hazardous especially if it has already spread throughout your property. It is important to always be safe if it has already spread. However, if you are not experiencing mold growth, here some ways you can prevent it from happening:
- Clean up spills that have been made within a timely manner
- Dry any materials that are wet also within 24 hours
- Use a dehumidifier and turn your A/C one to reduce growth
- Be sure to remove any carpets that may be in your kitchen, bathroom and especially basement or any other room that absorbs a lot of moisture.
Is mold more dangerous than mildew and what is the difference?
Mold can be more dangerous especially if its spread whereas, mildew can be removed with a scrubbing brush and cleaner. This means that if you find any spots and you have no idea whether its mold or mildew, buy a mold testing kit from any locale home improvement stores to find out. If it is mold, don’t wash it off with bleach because mold spores will just grow and spread and not easily fixed.
Does mold remediation take long?
Mold remediation can take about a week or more depending on the damages it has done. You may need to move out of the house temporarily for repairs if the damages are severe.
How do I know there’s mold in my home?
Home improvement stores should have testing kits but it is advisable that you seek out a professional so that they can determine the plan of attack if hazardous mold is present in your home.
How do I know if mold in my home are allergenic?
You will eventually know if you start to feel irritated eyes, coughing, sneezing and itchiness. Indoor molds that are allergenic are Aspergillus, Cladosporium, Mucor, Stachybotrys and may others.
If is, then how can I treat mold allergy?
Luckily for you, there are vaccinations to treat mold allergy. But if you know you’re allergic to mold, invest in an allergy relief mask and try to contact a professional to remediate the mold from your home. It is advisable to also talk to your doctor about medicines you can take and the possibility of immunotherapy treatment.