While Florida is a beautiful state with plenty of fun things to do, unfortunately the climate makes homes prone to water damage and mold. If your insurance company has failed to pay your mold & mold remediation insurance claim in Naples, you likely want to know if you can dispute that lack of payment. Here is what you need to know about disputing a mold claim.
Why Was My Claim Denied?
Ask your insurance company why exactly your claim was denied. If you still are not sure, here is what you should know about mold insurance claims.
Many insurance policies cover mold damage. Unfortunately, this coverage can be very limited since, the only mold covered is that which is caused by water damage that is covered by the insurance policy.
For water damage to be covered by a homeowner’s insurance policy, it must be sudden and from an internal source. This damage can not be the result of flooding, since that occurrence is covered by a separate insurance policy. This means that the mold can not be the result of neglect or flooding.
Often, a homeowner’s insurance policy will only cover a certain amount of mold damage. For example, if your policy states that it only covers $10,000 in mold damage, you only be able to receive that amount, even if the cost of the repairs is significantly more.
An insurance company may also deduct a certain amount from that $10,000 to pay for the investigation of your claim. So, you may actually get less than the $10,000.
Can I Dispute a Rejection of My Mold & Mold Remediation Insurance Claim in Naples?
You may be able to dispute a refusal of your claim if you believe that your insurance company was not true to your policy. For example, if your insurance company mis-idetified the cause of the mold, this can be a reason to dispute the claim.
If you talk to an experienced public adjuster, they may be able to identify other parts of your policy that could reimburse you for damages.
Effectively Dispute Your Mold / Remediation Insurance Claims With Darryl Davis & Associates!
Breathe easier with help for your mold and mold remediation insurance claims in Naples from Darryl Davis & Associates! We are very experienced in helping people deal with mold-related insurance claims. Make an appointment by calling us at 954-709-3982 today!
