What this covers
Mold growth caused by a covered water event (burst pipe, appliance leak, sewer backup), remediation costs, damage to building materials requiring removal, damage to contents, and — in some policies — testing and air quality costs.
Service
Mold Claims
Mold claims are complex and often denied. We know how to get them paid.
Why a public adjuster
Mold is one of the most heavily excluded and capped coverages in property insurance. Getting paid requires tying the mold to a specific covered event and documenting the full remediation scope.
Contingency — you only pay when we recover
Common Pitfalls
Where mold claims claims go wrong.
These are the patterns we see most often when a claim stalls, gets underpaid, or is denied outright. We document and push back on each one.
Issue 01
Policy caps on mold coverage, often $5,000–$15,000
Issue 02
Denials based on "gradual damage" or maintenance exclusions
Issue 03
Disputes over the cause of the mold
Issue 04
Underpayment of full remediation scope
Issue 05
Pressure to accept quick settlements that don't cover full remediation
Advocate on your side
Mold Claims claims are won on documentation.
The difference between an underpaid claim and a fair one is often pages of detail the insurer never asked for. We bring it — every time.
Start Here
Before anything else.
Do these first, in order. They protect your claim and give us the most to work with when you call.
01
Do not disturb or attempt to clean the mold yourself.
02
Document the water event that caused the mold growth.
03
Get a professional mold assessment.
04
Do not begin remediation until the claim is opened and scope is agreed.
05
Call us before accepting any offer or signing remediation contracts.
Then
Call us before accepting any offer.
FAQ
See all FAQsRelated questions.
Free Claim Review
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No upfront cost. You only pay if we recover your claim.