Why Mold Damage Claims Can Be Hard to Understand

Mold damage refers to any destruction caused by mold. Such damage may cause several physical changes to your property, including discoloration, fungal growth, odors, and changes in texture. Property owners who suspect that they have a mold problem must take steps to remediate it. This can be done in various ways, depending on the severity and types of mold present. It is essential to understand the possible reasons for mold damage. This can help property owners deal with the right insurance companies and avoid fraudsters. 

Here are some reasons why mold damage claims can be hard to understand. 

1. Mold Is Not Covered Under Most Property Insurance Policies 

Most homeowner insurance policies do not cover mold damage. If your property has been damaged by mold, you must make the necessary repairs out of pocket. 

If you have a renter\’s policy, it may cover mold damage. Some types of insurance policies also include optional coverage for mold damage. In such cases, the coverage amount is limited to a maximum of $1,000 per occurrence. This will only cover air quality testing and not any actual damage. 

Mold insurance is available, but it tends to be very expensive. Homeowners will be charged at least $450, while renters can expect to pay $200 annually. For this reason, you should know the exact amount of coverage you have. You may also have to look for additional sources of funding to cover mold damage claim-related expenses. 

2. Mold Claims Are Not Always Related to Mold 

Mold claims are typically linked to water and water-related problems. However, it is not always the case that mold is present on your property. 

This happens because of the way that mold spreads and affects your property\’s surfaces. For instance, if you have a water heater that leaks, the mold in your property may result from a leak in this part of the system. 

3. Most Homeowners Are Not Aware of Their Insurance Policies 

Most homeowners are unaware of their insurance policies. They also tend to have a weak grasp of what is covered and excluded under these policies. This can make it very hard for homeowners to get the appropriate insurance claims for their property. 

Many homeowners fail to take proper steps to protect their homes from mold damage. This should not be ignored when making a home insurance claim. 

4. Cleaning Mold Does Not Always Get Rid of The Problem 

It is important to know what kind of damage you have and how to deal with it. You should have a professional look at the area and make an assessment. 

Exposing mold to air circulation can reduce the risk of the problem, but it will not completely eradicate it. Mold tends to grow in hidden areas that are not easy to get to. This can make dealing with it a challenge. It is also important to note that mold is more likely to spread when you disturb its environment by moving things around or cleaning the area. It makes sense to partner with a knowledgeable professional in Pembroke Pines, FL, who can help with your mold damage needs.  

5. Mold May Be Linked to Several Health Problems 

When mold is present on your property, it may affect your health in many different ways. It can produce allergic reactions and lead to asthma and other respiratory problems. Some people develop symptoms like skin rashes, eye irritation, and headaches right after mold exposure. 

The immune system is also compromised by mold contamination. It may result in asthma, sinus infection, fatigue, and flu symptoms. It can also disrupt normal human hormonal functions, leading to infertility, hormone imbalances, and other health problems. 


As you can see, mold damage claims are not always as easy to deal with as they are commonly believed to be. This is why it is crucial to understand the process involved in dealing with these claims. It is also important to contact Southeast Public Adjusters — the professionals in Pembroke Pines, FL.