3 Steps for Discussing Mold Damage With Your Insurance Company

3/2/2022 (Permalink)

SERVPRO brings in customized equipment to help stabilize areas affected by flooding or mold and remediate excess moisture.

After a flood damages your San Diego, CA business, you may not be sure which steps to take when it comes to cleanup and filing an insurance claim. Of all the damage you might encounter, one of the most puzzling can be fungus growth. No matter the amount of mold you are dealing with or where it might have taken hold on your property, knowing how to report the issue to your insurance company can help you take the necessary steps to resolve the problem.

1. Do Not Touch the Damaged Areas

Before you call the insurance company, you might want to take photos of any mold damage you find. However, it is important that you do not physically disturb these areas. If you see mold where you cannot reach it without moving tables, chairs or equipment or possibly sending spores into the air, leave it for the insurance company to photograph and provide an explanation before you move on with filing a claim.

2. Discuss Coverage Options With an Agent

Understanding your insurance company’s policies on fungus growth and what they generally cover for your business can be an important step in filing a claim. You may want to sit down with an experienced agent and go over your current policy regarding the kind of mold coverage you can receive after you file your claim.

3. Discuss Cleanup Plans

Your insurance agent may be interested in what your cleanup plans are once you file your claim. He or she may ask if you plan to use professional mold remediation services and how you plan to handle safety issues that might relate to the process. Keeping your mold insurance providers in the loop about your cleanup efforts may assist them with processing your claim faster.

Dealing with fungus growth in your San Diego, CA business after water damage can be frustrating. However, working closely with your insurance company can help get your business up and running again with a minimum amount of hassle.