Mold and Your Insurance Company

Does Homeowners Insurance
Cover Mold Removal?

Don’t wait until you have a household mold problem to ask “does homeowners insurance cover mold removal?” Find out in advance if your insurance will cover a problem if one arises. Mold removal can be extremely costly, so you don’t want to find out too late that you’re not covered.

Coverage really varies from policy to policy, so the only way to know for sure if your policy will cover mold removal is to read your policy carefully. Colyer Services will analyze your policy for you, if you believe you have mold. Some insurance policies contain exclusions, specifically saying they will not cover mold removal. Some will cover mold removal only under certain circumstances. Some will pay for mold removal but not for mold testing, even though you may need to have your home tested for mold in order to find out if there is mold there that needs to be removed. Some will pay only a limited amount for mold removal, even if the actual mold removal process costs more. In some cases, you can pay extra to have insurance for mold remediation.

Contact your insurance agent if you have any questions about your policy. If your policy doesn’t currently cover mold removal, find out if you can add that coverage to your policy. It could save you thousands of dollars down the road.

The Cause of the Mold Problem

In many cases, homeowners insurance mold coverage depends on the cause of the mold problem. Many different things can lead to the growth of mold in the home. If mold results due to a sudden and accidental issue, like a burst pipe, which is covered, insurance is more likely to cover mold removal than if the mold is a result of neglected home maintenance.

Here are some examples:

Water Damage Following a Fire

Homeowners insurance usually covers fire damage. Unfortunately sometimes the water used to put out a fire can lead to later mold problems. If mold results from a fire that is covered by your homeowners insurance, your insurance policy will probably cover the mold removal, as well. Colyer Services covers Fire, Water, and Mold Damage

Water Damage Following a Flood

Mold is a common occurrence after a home has been flooded. Homeowners insurance often does not cover flooding, unless you specifically purchase flood insurance. If your insurance policy does not cover flooding, it probably will not cover mold that results from flooding. It may, however, cover mold following a flood if you have flood insurance. If you live in an area prone to flooding, this is definitely something you should look into.

Water Damage from a Leaky Roof

Homeowners insurance usually won’t pay for water damage that results from a leaky roof, and most policies won’t cover mold damage that results from a leaky roof, either. However, if something happens like a tree limb falls and crashes through your roof, leaving a hole in the middle of a rain storm, that damage usually will be covered by homeowners insurance. In that case, your insurance policy might also cover any resulting mold damage.

Water Damage Due to Broken or Leaky Pipe

Homeowners insurance does not usually cover water damage due to something like a leaky pipe. If your insurance policy doesn’t cover the damage due to the leaky pipe, it probably will not cover a mold problem caused by leaky pipe, either. Some insurance policies will pay for damage resulting from a burst pipe, though, and in that case, they may cover a mold problem resulting from that burst pipe, as well.

Mold Remediation

If you’ve got a mold problem and hope to get your insurance to cover the cost, you’ll need to start by having a consultation with a mold removal professional, like Colyer Services. Our services include Mold Analysis by a third party Lab, inspection, and write up that explains the scope of the problem, the work needed, and the estimated cost that you can give to your insurance company. They may also find “hidden mold” that you weren’t even aware of.

Colyer Services works with all insurance carriers to help you get your claim paid, as well as repair your home!

Choosing a Mold Removal Service

Mold on Walls

Do you need to hire a mold removal service to help you with a household mold problem? Mold removal can be expensive and you’ll want to make sure you hire the right company for the job. Since your health and the health of your family rest on making sure the job is done right, it’s not a decision to be made lightly. While you probably want to get the mold removed from your home as soon as possible, and we recommend getting it taken care of as soon as possible to prevent any mold-related health problems from worsening, it’s still best to take the time you need to find the right company for the job.

Questions to Ask a Mold Remediation Service

Here are a few questions we recommend asking before hiring a mold removal service. Add any additional questions you may have and make sure you are satisfied with the answers before choosing a company to hire. It’s acceptable to contact more than one company, and even to have more than one company come to your home to inspect the problem and give you written estimates of the cost, before making a decision about which to hire.

  1. Are employees certified by any organization, like the National Organization of Remediators and Mold Inspectors, the Mold Inspection Consulting and Remediation Organization (MICRO), the Professional Mold Inspection Institute (PMII) and RespirNet (in association with The Environmental Solutions Association)? If so, what are the organization’s criteria for certification?
  2. How much experience do your employees have?
  3. Can you provide references, names and numbers of other customers for whom you’ve worked? (We recommend contacting more than one previous customer of a company when checking references.)
  4. Are you able to remove mold from heating, ventilation and air conditioning systems? Do you comply with the standards established by the National Air Duct Cleaners Association?
  5. Do you offer free in-home consultations?
  6. Can I get a free written estimate with no obligation before I decide if I want to hire you?
  7. I plan to file a claim with my homeowner’s insurance company to cover the cost of mold remediation. Are you accustomed to working with insurance companies? Can you provide the documentation my insurance company requires? (If you want the work to be covered by your homeowner’s insurance, check with your insurance company to see if they require you to use any particular mold removal service or if you can choose any company you like.)
  8. Do you offer any kind of guarantee for your work? What happens if I have my home tested for mold after the mold remediation is completed and mold is still found? (And we do recommend you have your home tested for mold after the job has been completed.)
  9. How soon could you begin the job if I decide to hire you?

Colyer Services has the answers to these and all other questions surrounding mold testing and removal.

Contact us today!

Beautifully Restored Commercial Project

2609 Curry Ford Rd. Orlando, FL

 

This Beautiful new Commercial Build-out done by Colyer Services, shows how to bring luster and value back to a very old and previously unsightly building.

Renovated for University Motors and Financing in Orlando, this will be the office space in which customers can view, select, and purchase from a number of great two and three wheeled motor vehicles.

Framing, finish carpentry, HVAC, plumbing and the entire works performed by high quality skilled craftsmen.

Only from Colyer Services!

Damaged home? How to get an insurer to pay up

Tornadoes. Hurricanes. Wildfires. Over the past decade, insurance companies have paid more than $450 billion in property damages to policyholders.

And now some insurers are looking for ways to limit their losses by denying claims and sticking homeowners with the bill, said David Barrack, executive director at National Association of Public Insurance Adjusters. “They’ve gone from ‘good hands’ to boxing gloves,” he said.

 Some insurers may write policies with exclusions that absolve them from paying for certain damages or use legal jargon that’s difficult to understand, said Chris Maranges, a Miami-based attorney with Higer Lichter & Givner, who represents homeowners in property insurance litigation.
The insurance industry refutes such claims. “Insurers strive to pay all legitimate claims as rapidly as possible,” said Robert Hartwig, president of the Insurance Information Institute, an industry trade group. He also noted that policyholders are protected by laws in all 50 states.
The best step you can take is to hire a General Contractor who is also a licensed insurance adjuster. Colyer Services is armed and ready to do battle directly with your insurance company to provide immediate service and rapid payout of your claim.
Click below for full article:

HVAC Contractors Prefer to Tackle Mold Via Partnerships

Contractors prefer to refer clients to remediation experts

Mold In Air Duct

Mold can be found everywhere, both indoors and outdoors. However, it’s usually not a problem until it begins growing indoors. According to the Centers for Disease Control and Prevention, exposure to mold can cause a number of health effects and symptoms, including allergic reactions, asthma, and other respiratory complaints. Mold can be a serious issue if left untreated, which is perhaps one of the reasons most HVAC contractors tend to avoid it.

“Mold is in virtually every residence over two years old in the U.S. due to improper ventilation and treatment of that ventilated air,” said Joe Kokinda, president and CEO at Professional HVAC/R Services Inc. in Avon, Ohio. “This being stated, one very experienced IAQ [indoor air quality] expert would definitely be required to identify the source and recommend ventilation upgrades. Mold remediation is another issue that HVAC probably would shy away from, just like lead paint or asbestos.”

David Richardson, RNC inside operations manager at Weather Master & Mr. Plumber in Knightdale, North Carolina, said mold is a four-letter word to HVAC contractors.

“Unless you are licensed and certified in mold remediation, it’s in your best interest to have a professional company perform this task,” he said. “Mold can be caused by several contributing factors, and it is wise to have a third party verify where the source of the mold came from before admitting guilt. With homes being built tighter and the lack of fresh air, mold issues seem to be more prevalent today. It only takes three factors to produce mold: moisture; a food source, such as dust or construction debris; and absence of light.”

Colyer Services makes the perfect partner for any HVAC contractor when faced with mold problems. As a State of Florida licensed Mold Assessor and General Contractor, we can eliminate mold problems so you, as the HVAC contractor, do not have to worry about liabilities!

Click below for the full article!

http://bit.ly/2pfDANz

 

MOLD CLEANING AND PREVENTION TIPS FOR LANDLORDS

Mold Issue
Mold Cleaning

If you have renters who are afraid of mold or don’t know what to do about a mold infestation, it’s important to contact a licensed contractor to at least test for potential mold.

Half of all potential mold tests come back negative from the laboratory. A seasoned mold assessor from Colyer Services can place your tenant at ease if the test is negative, and help remediate the issue if these actually is a problem.

Colyer Services is a State of Florida licensed Mold Assessor and General Contractor, specializing in Storm, Water, and Mold Damage Restoration.

For the full article, click here:

http://bit.ly/2q2k1bE

 

 

 

Elevated Mold Levels Can Act as an Allergen, Irritant and Asthma Trigger

Petri dish with mold

While mold is a natural part of the environment and it is inhaled on a daily basis, exposure to elevated levels of mold in the air of people’s homes, schools or work environments can lead to indoor air quality (IAQ) issues and potential health concerns.

For mold to grow indoors, it needs moisture and a source of food. Unfortunately, many building materials, furnishings and personal belongings make for an excellent food source. If moisture is allowed to enter the indoor environment, it can become an ideal breeding ground for mold in as little as 48 hours.

“One of the best ways to control mold growth is to control indoor moisture,” said Jason Dobranic, Ph.D., Vice President of Microbiology and Life Sciences at EMSL Analytical, Inc. “This is why it is critical to prevent indoor water incursions, control humidity levels and dry any water-damaged materials as quickly as it is safe to do so.”

For the full article from EMSL Analytical, Click Below:

http://bit.ly/2oOYgxc