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.


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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!

Tips for Successfully Filing a Water Damage Claim

Tips for Successfully Filing a Water Damage Claim

If you need to file a water damage insurance claim, you may be feeling overwhelmed or even stressed. Property damage of any kind can cause an endless amount of headaches and can end up costing you a significant amount of money. There are a lot of aspects that need to be considered when you are handling water damage in your home. On top of the damage to your home, the disruption of your daily routine can cause you and your family even more hardships. This is why handling a water damage claim the right way is imperative to making sure you get everything you deserve in the quickest amount of time. If you’re in the Miami area, Mutual Claims Services can offer you the help and guidance you need for handling these situations.


Successfully Handling A Water Damage Claim

The first thing that is important about understanding a water damage insurance claim is it is critical that you have the right type of homeowner’s or renter’s insurance. This is why it is imperative to thoroughly go through the fine print of your policy before purchasing it. However, once you have your policy, you need to make sure that you handle a claim the right way so you can get everything you are entitled to.


According to research the most common type of homeowner’s claim is for damage from water. This means that insurance providers are well prepared at dealing with these claims and they also know all of the loopholes they can use to pay less money to the insured party. This is why having a public adjuster that can help you navigate the process is essential.


The first thing that you want to do after there has been damage done to your home is to call your insurance company. It doesn’t matter if the flooding is from extreme rain or leaking pipes you want to make sure your insurance provider is aware of the damage from the very beginning. This will help eliminate any doubts or questions about the source of the damage. Notifying them promptly will also allow the claims process to move along at a quicker rate. When you call you want to make sure that you have your policy number and a complete copy of your policy. They will also ask you a number of questions about the damage so make sure you gather as much information as possible.


After your insurance company has been notified and you have taken pictures of the damage you need to make sure you take measures to prevent additional damage from occurring as well as secure any of your valuables. It is advised that your board up any broken windows or doors, put a tarp over any holes that are in your roof, turn off your water supply, and finally remove any freestanding excess water.


In order to get reimbursed for your damaged items, you want to make sure that you take a detailed list of any personal items that were damaged or destroyed due to the water. When you are making an inventory list, you want to make sure that you include the make, model, age, and condition of your items prior to the damage.


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Mutual Claims Services in Miami can provide you with a public adjuster to help with your water damage insurance claim. If you’ve suffered from water damage, it is important to understand the best way to file a claim, so you receive everything you deserve. Call or visit us today to find out how we can help you!

Winter Has Arrived – Watch Out For Deep Freeze And Broken Pipe Bursts

Winter Has Arrived – Watch Out For Deep Freeze And Broken Pipe Bursts

Winter has officially made an entrance and with this season comes colder temperatures which can cause pipes to freeze and break. Even in the Miami area temperatures can drastically dip causing a deep freeze and eventually water damage in your home. If this is a concern you’re worried about the first step you need to take is talking to an expert. It is almost impossible to come up with a plan to avoid this situation on your own you need to rely on an expert. Mutual Claims Services can assign a public adjuster Miami locals trust to help you understand how this situation can occur and how to prevent it from happening to you.


Water Damage Caused By Deep Freeze and Broken Pipes

According to experts, a historic deep freeze is set to make its way through the United States this year along with intense wind chills. With this weather comes the chance of your pipes freezing and bursting. This can lead to a number of leaks and problems for homeowners. If you’re not sure how to handle a situation like this, there are a few pieces of advice a public adjuster Miami natives trust can give you to make sure you know what to do if you find any of these problems in your home.


When ice and snow begin to melt from a deep freeze, there will be a large amount of water that has the potential to cause damage to your home. If you don’t see immediate damage, it is critical that you don’t just assume there is nothing hidden behind the walls or roof. Not all damage will present itself as a leak or a sudden gush of water it can be more “invisible” and affecting things like the structure of your home. If you suspect you might have suffered damage due to a deep freeze you should look over your insurance policy to make sure this is something that would be covered under it.


Structural damage from severe cold weather, ice, and snow won’t always be something you can see with the naked eye. Even when the snow and ice are gone your roof and home may appear normal. However, it’s possible to have a structure collapse even months after the deep freeze has come and gone. The cause of the damage may not have been caused solely by the excess cold and could have been developing for a while and just made worse by the weight of the weather.


The key to keeping these situations at bay is taking preventative measures. One of those is to have an inspection done by reputable professionals to ensure the structure of your house is in good condition before any weathering occurs. If anything is found to be structurally wrong, this will give you the opportunity to fix it before it becomes a bigger issue. Also, making sure you have a licensed water damage company on call for a quick clean-up in case something should happen is an excellent thing to do in your prevention plan.


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Mutual Claims Services in Miami can provide you with a public adjuster Miami locals trust to help you understand what goes into preventing water damage from a deep freeze and broken pipes. Call or visit us today to find out how we can help you!

Steps To Reopen a Water Damage Claim

Steps To Reopen a Water Damage Claim

There was a powerful storm, and you filed your claim a few months ago. You received the amount you were hoping for when it comes to the settlement. However, after paying close attention to the details of the damage, you realized you missed a few items that actually make a big dent in your finances. It is your money and property and you need it covered. What do you do now? The experts at Mutual Claim Services are here to ensure you are aware of all the steps when it comes to reopening a claim after flood damage. We are the only experts to trust for water damage Miami.


It Is Time To Reopen

When a policyholder wishes to re-open their claim, the process usually begins with a visit from a Florida public adjuster. They arrive at your business or home to review all of the documentation you have regarding your claim. This documentation includes the policy you had at the time that the damage occurred, as well as the estimate you received from your insurance company and any records of the repairs that were made.


Should the public adjuster determine that your claim can be reopened, they will contact your insurance company. Following this, the adjuster will ask for a re-inspection of your home. If this is not possible, the adjuster can create a detailed estimate of the damages and submit it to your insurance company, who will then carry out their own inspection.


Flood Damage and Appraisal

Any homeowner wanting to re-open their property insurance claim will be asked by their insurance company to enter into something called Florida State Sponsored Mediation. This non-binding process may not work for all policyholders, as it offers them no representation, which is like representing yourself in court. The mediation process involves meeting with an insurance company representative and mediator, who is there not to settle the claim but facilitate understanding between you and your insurance company.


Another potential solution is the Appraisal process. Generally used for those policyholders who have claimed large in dollar value, Appraisal requires expert knowledge in the evaluation of claims. The insurance company will also hire their own appraiser. Together with a third individual, they review all of the involved documents and discuss damage differences and cost.


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You need an expert. 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.

Why You Should Never Wait To File Your Water Damage Claim – Call Us!

Why You Should Never Wait To File Your Water Damage Claim – Call Us!

Flooding and water can cause massive amounts of damage to your property when compared to other causes of loss. Moreover, insurance claims for water damage can be some of the most complicated when it comes to figuring out  whether or not coverage applies or the amount of damage to your property that is covered. Certain types of water damage are excluded by the majority of insurance policies, and there are specific exclusions in the policies when it comes to water damage. For example, “wind-driven rain” may be excluded from coverage while other types of water damage are covered. Hurricanes and floods may be deemed as exclusions in certain insurance policies as “Acts of God,” and flood damage that is a result of water coming in from outside the insured property is generally only covered with flood insurance. If water damage affects your house and you file a water damage insurance claim, you may want to hire a public adjuster such as Mutual Claims Services in order to get the compensation you deserve. When it comes to water damage Miami residents may be all too familiar. Call us today for a consultation!


What To Know About Water Damage Insurance


The National Flood Insurance Program handles flood insurance coverage in the United States, and it is a federal program which is managed by the Federal Emergency Management Administration (FEMA). For flood insurance with stipulations (i.e “two or more acres, or two or more properties must be inundated with water to be considered a flood”) flood damage claims can become even more convoluted. There is also a clear distinction between mudslides and mudflow and what exactly is covered under flood insurance, and further stipulations regarding that portion. There are many complications when it comes to filing an insurance claim in order to get fairly compensated for the damage that you have paid premiums to insure against. This is why it’s so crucial for a victim of the water damage Miami residents are often hit with to file an insurance claim right away.


Tips For Your Water Damage Insurance Claim


It’s always a good idea to be proactive and be prepared for accidents and natural disasters. This is why homeowners purchase insurance for natural disasters such as wildfires, hurricanes, and flooding. Unfortunately in areas such as coastal Florida, hurricanes are becoming more frequent and powerful due to increasingly warmer temperatures. These storms are bringing large amounts of heavy rain, flash flooding, and wind damage. As massive amounts of damage can occur from hurricanes and tropical storms, determining insurance coverage as wella s the causes of damage and dealing with the insurance claims process can be an extremely complicated process. This is why a public adjuster such as Mutual Claims Services can help you negotiate with your insurer and guide you through the complicated process.


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It is important to jump into action following water damage in order to be compensated correctly and in a timely fashion. This is why you should not waste time and immediately file a water damage insurance claim if your property has suffered the water damage Miami residents can be prone to. If you’re looking for a public adjuster to help you with your insurance claim, call Mutual Claims Services today for a consultation!

Our Professional Use Thermal Imaging To Help You Obtain The Most For Your Claim

Our Professional Use Thermal Imaging To Help You Obtain The Most For Your Claim

Water damage insurance claims can be instigated from a variety of courses. Whether it’s roof leaks allowing the Miami rain inside or broken pipes, flood damage, bathroom or kitchen leaks, the effects of water damage could take a long to be visibly present. If the long-term damage is unknown it could delay your claim and even affect your final payout. Mutual Claims Services uses thermal imaging to dive beyond what the human eye can see to get you fast information on your property damage claim.

What is Infrared Thermography?

Every object has a “thermal condition.” This is infrared light that radiates from an object caused by heat, or lack thereof, within the object  Infrared light is invisible to the human eye, but infrared thermography uses this thermal condition to create an image humans can see. A specialty camera is used to generate a picture of an object’s heat radiation. Essentially, infrared thermography can create a thermal image used to see what our human eye cannot. This image is called a thermogram, or thermograph, and can be used to strengthen your water damage insurance claim.

Using Thermal Imaging for Your Water Damage Insurance Claim

Infrared thermography can “see” water damage before a human eye can. The temperature difference created by the presence of moisture on the inside surface of a wall will appear differently than the surrounding area. Damage under the surface caused by moisture can now be visible. The experts at Mutual Claims Services use this technology to ensure you are adequately compensated for your claim.

When Infrared Thermography Should be Completed

Property owners or their insurers should use infrared thermography under the following circumstances:

  • After any water damage. Water damage could be caused by roof leaks or roof damage from hurricanes, flood, broken water lines or pipes, bathroom or kitchen leaks, and a variety of other circumstances that may cause moisture.
  • Before warranty expiration on new construction.
  • When finish materials cover walls, and the inspector cannot give a definitive answer on moisture issues.
  • When suspected plumbing leaks have occurred from in-slab water supply and waste lines.
  • When doors, windows, or other openings in the building are leaking, or even suspected of leaking.
  • To determine the adequacy of insulation. Wet insulation is a poor insulator but is a great conductor of heat.
  • Infrared inspection of the roof can determine the potential for clogged drains and water retention that may cause roof damage and leaks.
  • Locating hidden leakage and dampness under flooring.
  • Locating wet areas in non-accessible crawlspaces.

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Every homeowner has the risk of water damage from an unexpected event. Here in Miami, that risk is even higher due to our frequent tropical weather conditions. When you file a water damage claim with your insurance company, you may not be compensated correctly or promptly if you can’t show the full extent of the damage your property incurred. Mutual Claims Services will use thermal imaging on your property to ensure your claim gets the attention it deserves. Contact us today.