Is Mold Damage Covered Under Homeowner’s Insurance Policy?

Is Mold Damage Covered Under Homeowner’s Insurance Policy?

Mold damage can be quite damaging to both your home and the health of your family. If this unfortunate circumstance has happened to you or your family, you may be wondering- does homeowners insurance cover mold? While homeowners insurance covers mold damage if the  mold was due to”covered peril,” if it was not then the insurance company will probably not cover mold damage. However, there are certain exceptions- which is what we will be talking about. Read on to learn more about the circumstances in which your homeowners insurance may cover mold damage, and when it won’t. In such cases, you may want to hire a public adjuster to make sure that you get the compensation you deserve. Mutual Claims Services is a top public adjuster Miami residents trust. Call us today for a consultation regarding your insurance claim!


Mold Damage and Homeowners Insurance


Mold that resulted from a preventable water leak, flooding, or high humidity is not generally covered by home insurance policies. Moreover, for maintenance issues that insurers think a homeowner should have kept in check, home insurance firms also won’t shell out. Homeowners are expected by insurers to proactively take care of major problems before they snowball into something they need to file a claim for. However, mold is covered by home insurance if a “covered peril” by the firm is the cause of the mold. In such cases, your home insurance policy will probably pay for repairs and clean-up. Covered perils by home insurance typically include fire, lightning, vandalism, vehicular damage, theft, falling objects, weight of ice, snow, or sleet, accidental discharge or overflow of water or steam from household appliances and systems, and frozen pipes. For example, home insurance will probably cover your mold problem if an ice dam forms during a rough winter in your roof utter, and water backs up under the shingles and leaks into your attic without your knowledge, soaks your attic floor and insulation, and creates mold. Another example is if a pipe bursts in your home randomly and before you are able to take action, mold seeps in.


Does Homeowners Insurance Cover Mold?


There are cases where home insurance will probably not cover. If, for example, your pipes freeze and burst and you don’t notice or don’t go and call right away, and mold happens, or if mold forms in your shower and you don’t notice until it’s a major issue and your family gets a bit sick. Mutual Claims Services, a public adjuster Miami residents trust, note that insurance companies expect you to be proactive when it comes to home maintenance, which means that the insurer will probably not cover the damage if you don’t take care of your house and stay on top of your maintenance. Moreover, most homeowners policies don’t cover water damage caused by a flood, so you may want to purchase a separate flood policy in order to cover water damage and ensuing mold.


Contact Us Today


When it comes to the question: Does homeowners insurance cover mold, the answer is sometimes. If you are filing a property damage claim, contact Mutual Claims Services, a public adjuster Miami trusts, for a consultation!

Roof Damage: Should You Repair or Replace?

Roof Damage: Should You Repair or Replace?

There comes a time in every home, no matter where it is, when the roof either needs to replaced or repaired. This may be due to either crazy weather, or even just age. Regardless, of the cause, it is important to understand the time you should repair a roof versus replacing it. At Mutual Claims Services, we are here to clear up the air when it comes to roof damage, and get you on your way to a property damage claim. We are one to trust, Miami.


We Handle It All

Damage to a commercial property can result in severe income losses. A commercial property damaged by fire, water, flood, hurricane, tornado, vandalism, and even mechanical or electrical breakdown adversely impacts business and the people associated with it. Insured properties have the right to make a claim and be duly compensated for the damages and business interruption. Filing for a commercial insurance claim needs to be done without any delays – businesses obviously cannot afford loss of earnings for long.

​Filing for insurance claims can be a very complex and daunting task, especially in times when commercial property owners are already disturbed by the losses to their properties. Mutual Claims Services will work to make the claims process a simple and stress-free experience. Our team of professionals, offer full-fledged support in terms of loss analysis, estimating, negotiating and documentation for insurance and liaising with an insurance company to procure the best possible settlement outcome for all of the damages caused to the commercial property.


Get a Property Damage Claim For Roof Damage

As property owners with insurance claims resulting from Hurricanes start to receive settlement offers from their insurance company, our public insurance adjusters continue to field calls and questions from people still struggling through the insurance claims process. One question that frequently comes up involves how much roof damage there must be for the entire roof to be replaced.


Florida building code basically says that if you have 25% or more of your roof damaged within a 12 month period, then the entire roof must be replaced. Most residential policies have what is called “Law and Ordinance ” coverage to pay for the increased cost of code upgrades. If your roof incurred enough storm damage and you also have Law and Ordinance coverage, you should be able to collect for the total replacement of your roof under this coverage as long as you actually do the work. Law and Ordinance coverage requires you to incur the cost of the repair and then submit the costs with documentation to your insurance company for reimbursement.


Another roof related issue that we see is when damaged roof tiles and shingles are not able to be matched where only a section of the roof was damaged. Matching coverage disputes with insurance companies and their adjusters tend to be very controversial as most adjusters will likely insist that they do not have an obligation to replace the undamaged property. This is not always the case, and most “replacement cost” provisions within a policy should provide for full replacement of the undamaged property. Anyone dealing with an insurance adjuster, who is arguing they will not pay, may want to hire a licensed public adjuster or an attorney to fight on their behalf.


Call Us Today For More Information

When it comes to roof damage in your home, we know exactly how to help, especially when it comes to determining the difference between repairing and replacing. We are professionals in a property damage claim. Miami depends on Mutual Claims Services. Call or visit us today for more information.

Hurricane Victims Need To Understand The Nuances Of Flood Insurance Claims

Hurricane Victims Need To Understand The Nuances Of Flood Insurance Claims

Every year the citizens of Florida are vulnerable to hurricane season. During this time, many homes are susceptible to flooding that can leave properties damaged. This is a busy time for flood insurance companies. Mutual Claims Services are experts in flood insurance Florida. We specialize in hurricane insurance claims specifically for Miami. Dealing with these claims can be stressful and at times overwhelming. We are hoping to make these situations easier.


They Can Be A Nuance

Think of powerful storms like Michael, Irma, Charlie, and Matthew, these storms caused devastating damage to many properties across the state. When you look back at these catastrophes, many are left with many bad memories. For those who have flood insurance, we encourage you to review and pay close attention to your flood policy terms and conditions. The policies issued by the National Flood Insurance Program (NFIP) are unique because they fall under a Federal Government program with its own rules and regulations. Keep in mind that many private insurance companies resell and administer the NFIP policies.  So make sure you confirm if your flood policy falls under this program. We are experts on hurricane insurance claims, so you can trust out professionals.


Flood Insurance Florida

Let us explain the difference between a flood event and a water loss. This is important when it comes to insurance policies. The steps property owners take to comply with their insurance policies in regards to their property and flood claims can have a significant impact on how much they will receive and under what policy the loss will be covered.


If a hurricane blows your roof off or breaks your windows and water enters your home, you have a water loss claim. Examples can also include broken water lines, water that overflows from appliances, a hot water break, a ruptured ice maker, etc. These situations usually have to be sudden and accidental. for those who are covered for a water loss, a common mistake insured policyholders often make is to report them like a flood loss. While seemingly a flood to the policyholder, reporting a water loss as a flood is a sure bet to get you off to a wrong start with your property insurer.


As for a flood event, in order for it to be covered, they need to meet the following conditions: “A flood is a general temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.” A flood loss occurs when water originates from outside a building or home. Generally, a flood loss results from rising water. However, If this water enters the building, it will not be covered under most standard insurance property policy forms.


Call Us Today

You need an expert in flood insurance Florida. Experts put the importance of knowing what kind of settlement you want at the top of the list. This amount will come from the review of your insurance policy, receipts and other documentation which backs up your claim. When it comes to getting the compensation you need for flood damage. We have you covered. It does not matter if you already filed the claim, we know exactly how to reopen it. You can trust our water damage Miami experts. We also have all the homeowner’s insurance claims process information you need to get the money to cover all your losses. Trust us to get you the water damage insurance claim you deserve. Call or visit Mutual Claims Services today for advice on hurricane insurance claims.

Insurance Settlement Negotiation Process

Insurance Settlement Negotiation Process

You just filed a claim with an insurance company after being in an unfortunate accident. Now you must be prepared to negotiate a settlement with a claims adjuster. This is all part of the process. What happens when you have no idea what the process is? Don’t worry. The professionals at Mutual Claims Services will make this difficult process easier. Let’s get you the insurance settlement you deserve. Trust our public adjuster Miami.


The Choice is Yours

As said above, negotiating a settlement is all part of the personal claims process. This usually begins the second you report your injury to the insurance company and file a claim. You can either chose to accept the insurance company’s offer or decline it. If you decide to accept the settlement, the personal injury claims process will end. However, if you chose the alternative and reject the offer, the process gets a little more intense. Don’t worry. We are here for you every step of the way.


The Process of an Insurance Settlement

You got into a car accident. It was not your fault. You got injured. You reported the injury and initiated a claim with the at-fault party’s insurance company. You rejected the offer the insurance company made to you. Now it is time to negotiate. Think of negotiation as part of the personal injury claim process. Each step is leaning toward the highest possible settlement. The claims adjuster will constantly be trying to diminish your claim in an effort to pay you as little as possible. For this reason, you need representation. The more familiar you are with the personal injury claim process, the better prepared you will be when it comes to negotiating the settlement. The goal is to get the most money for your injuries and other losses.


Steps of the Negotiation Process

  • You file a personal injury claim with the insurance company.
  • You receive a reservation of rights letter from the insurance company.
  • You send a demand letter to the insurance company.
  • The claims adjuster will respond to your demand letter.
  • You reject the claims adjuster’s initial offer and make a counteroffer.
  • You and the claims adjuster continue to negotiate.
  • You accept or reject the final settlement offer.


Helpful Tips

  • Always be prepared.
    • You should be as prepared for the personal injury claim process as possible. Familiarize yourself with the steps involved in negotiating a settlement, and gather as much credible evidence of your injuries and other losses as possible. Being prepared will help you remain confident, calm, and collected throughout the settlement negotiation process.


  • Stay patient.
    • Do not jump at the first settlement offer that comes your way. You must stay patient throughout the entire settlement negotiation process. Impatient personal injury claimants often settle their claims for much less than they are worth. Securing the maximum possible settlement is worth the wait.


  • Be persistent.
    • Do not allow settlement negotiations to come to a standstill. You must be persistent in moving your claim forward. While you should never rush the settlement process, be sure to respond to requests from the claims adjuster as quickly as possible. Be diligent about following up with the claims adjuster if necessary.


Call Us Today

We are here for you when it comes to negotiating for an insurance settlement. You can count on our experts to get you the settlement you deserve. We are known for being the best public adjuster Miami. Mutual Claims Services is here for you. Call or visit us today for more information.

Natural Disasters and How To Prepare For Them

Natural Disasters and How To Prepare For Them

No matter what part of the country you live in, you are always going to be prone to natural disasters. Whether you live seaside in Miami, or up in the plains of Kansas, you always need to be prepared for the unthinkable. These disasters can happen everywhere. Mutual Claims Services is here to inform you of all of these occurrences and how to prepare for them just in case. We are also experts in providing a water damage insurance claim.


You Can’t Predict The Unpredictable

A natural disaster is a natural event that causes significant damage or loss of life. They can be frightening and almost impossible to predict. The chances of surviving a natural disaster, and mitigating the damages that it will ensue, increase significantly when you are adequately prepared. While there are many generic items such as food, water, an emergency fund, and disaster kits that you can prepare in advance, there are also many things that will need to be done in accordance with specific disasters.


Types of Natural Disasters

  • Earthquake
    • According to the USGS, every state in the U.S. has experienced an earthquake. Earthquakes are one of the most unpredictable and damaging disasters.  There has yet to find a way to predict when an earthquake will occur with enough time to evacuate areas. Systems exist, but they can only give a few minutes warning to residents that a disaster is on its way.
    • What can you do to prepare?
      • Practice the “Drop, Cover and Hold On”
      • Secure items in your home or business that may fall over.
      • Add Earthquake Coverage to your property insurance policy.


  • Fire
    • Fires can be caused by many things including candles, cooking, flammable materials, appliances, arson, chemicals, gases, holiday decorations, fireworks, and even lightning. With so many ways for a fire to ignite, it is important to have a plan if you are affected.
    • What can you do to prepare?
      • Practice the “Stop, Drop and Roll” procedure, especially with young ones.
      • Have an escape route. You should have at least two ways to exit every room in a building. You should practice these escape routes to ensure that everything is in proper working condition.
      • If you are in an area that is susceptible to wildfires, be sure to keep the exterior of your home as safe as possible using these tips from gov.
      • Review your insurance policy and update it with any items that have been added to your property within the past year.


  • Flood
    • Flooding can happen year round. Think of intense summer storms, a rainy spring season, or a cold fall downpour can lead to severe flood and extreme water damage to your property.
    • What can you do to prepare?
      • Add flood insurance to your standard insurance policy through the National Flood Insurance Program.
      • Much to many policyholders’ surprise, flooding is not covered in a standard property policy.
      • Map out several evacuation routes. Flooding can cause many roads to be closed, so be sure to have multiple ways to get to the same destination memorized. Power outages and technology may fail in times of disaster, leaving you to depend on your memory.
      • A good rule of thumb is to plan for an emergency shelter in town, one destination out of town, and one out of state.
      • Consult with our experts when it comes to a water damage insurance claim.


  • Hurricane
    • Hurricane season typically lasts from June through October in Florida. Past hurricanes have taught us that you can never be too prepared so be sure to heed all warnings from officials without question. Unlike other disasters, hurricanes are much more predictable, giving residents in potentially impacted areas as much as 36 hours to get ready.
    • So what can you do to prepare?
      • Protect your property
      • Gather broken tree limbs and remove any branches that are hanging over your house, exterior buildings or vehicles.
      • Bring all lawn furniture and play accessories indoors, or anchor large ones to the ground.
      • Tarp any areas of your roof that are in need of or in the process of repair.
      • Fill all cracks in the foundation of your property to prevent water from entering and causing damage.
      • Board up windows.
      • Add appropriate coverages in advance.


Contact Us Today

When it comes to natural disasters, we know exactly how to help, especially when it comes to hurricanes and flooding. We are professionals in a water damage insurance claim. Miami depends on Mutual Claims Services. Call or visit us today for more information.

What To Do For Smoke Damage During Your Fire Damage Restoration

What To Do For Smoke Damage During Your Fire Damage Restoration

When there is a fire in your home, the first worry that comes to mind is the effects of the flames to the house. Many individuals will not even factor in that the smoke also does equal damage in some cases. Mutual Claims Services are professionals in fire damage restoration and the claims that come with it. We can help assist with your property damage claim, Miami.


Our Guide to Smoke and Fire Damage

Dealing with a fire is a devastating experience. It causes a lot of stress and dealing with this horrible loss and property damage can be at times traumatic. Many times individuals will not be able to think clearly dealing with the complexities of insurance companies as well as the paperwork normally involved with filing insurance claims. Getting adequate compensation for your damaged property after a fire is not always straightforward. That said, there are some things you can do to help the process go a little more smoothly.


A topic to keep at the top of your head is that there is always two types of damage that are associated. This is smoke and fire. Each of these should be approached a little differently because they are not treated with the same by every insurance policy. Our experts are trained in a property damage claim.


Fire Damage Restoration: Smoke

If the fire is contained and the property is not a total loss, it is not uncommon for smoke damage to be more widespread than fire damage. For example, if a kitchen fire is quickly extinguished and damage is limited to the area around the stove, smoke damage can still spread into the surrounding rooms. Possibly even the whole house.


To understand why, it helps to understand how smoke behaves. Smoke is made up of carbon dioxide, carbon monoxide, ash, and chemicals that vary depending on what was burned. Because smoke travels easily and likes to stick to things, smoke damage can be very extensive and widespread.


One reason smoke can cause damage that extends far beyond the immediate area of the fire is that smoke travels very easily. Usually, there will be a lot of it directly above and surrounding the items that burned in the fire. However, you’ll also find additional, and often significant damage, outside and even in rooms down the hallway and on different floors of your home. Smoke is sensitive to air currents and can easily travel down hallways, under doors, and through tiny cracks that you may not have even known about.


Now What?

Most homeowners insurance covers smoke damage but problems could still arise. As we’ve seen, smoke can get anywhere and everywhere and cover your things with soot, a sticky black residue. As far as your insurance claim goes, the first issue lies in whether or not the insurance company wants to pay for a replacement or to have the affected items and areas cleaned. Most of the time, they’re more likely to pay for cleaning items with smoke damage than replacing them. Differences of opinion can arise as to what should be replaced and what can be cleaned. For example, if your curtains have been damaged by smoke, the insurance company might feel that reimbursing you for a trip to the dry cleaner is sufficient. You might think that they should be replaced. Conflicts like this can easily arise when it comes to smoke damage. That’s why the steps you take when filing an insurance claim for fire and smoke damage are so necessary.


Contact Us Today

When it comes to smoke damage in your home, we know exactly how to help, especially when it comes to fire damage restoration. We are professionals in a property damage claim. Miami depends on Mutual Claims Services. Call or visit us today for more information.