Mold Claim Los Angeles Public Adjuster

Mold is a serious and dangerous threat to your home, commercial property, and your health. The damage caused by mold happens quickly and silently and can end up costing you hundreds of thousands of dollars in repairs if not addressed properly. One of the most common reasons individuals file an insurance claim for their commercial or residential property is because of mold (fungus) damage. But what most people do not realize is that filing a mold claim in Los Angeles with your insurance provider can be very difficult.

What Causes Mold in Commercial and Residential Properties?

There are several causes of mold, which always involves water and moisture. Mold typically begins to grow within 72 hours from the following incidents:

• Pipe breaks
• Appliances with a water leak, such as from a sink, bathroom, or refrigerator
• Roof leaks
• Damp, humid environments

What Qualifies as a Mold Claim?

In order to file a mold claim in Los Angeles and receive reimbursement from your insurance provider, you must:

• Currently have water damage coverage on your existing insurance policy, without limitations and exclusions to mold damage
• Prove that the mold is a direct result of water damage

Some insurance policies will have exclusions to mold damage. For example, an insurance policy might state that mold (fungus) is not covered at all. Alternatively, the policy might limit the amount of mold coverage that will be reimbursed. These types of limitations and exclusions often lead to individuals only receiving partial coverage for their claim – The water damage might be fully covered, but not the mold damage. At Excel Adjusters, we are highly familiar with mold claims and California law, helping you get the most reimbursement possible for your claim.

What if I Can’t Live at Home During the Mold Rebuild Process?

This is a major concern for almost all homeowners who experience mold damage, especially due to the issues mold can cause to your health. If you cannot live in your home while repairs are being done, some living expenses might be covered under your insurance policy during that time where your home is uninhabitable. This can include things such as meals, laundry, transportation, and pet boarding.
In order to increase your likelihood of having your living expenses covered, you’ll want to:

• Determine what your Additional Living Expense (ALE) and Loss of Use Coverage is and how much is covered by your policy. You can find this information on your policy’s declarations page.
• Provide your insurance company with a legitimate reason why you cannot live in your home or use your kitchen. For example, if you cannot sleep in your home because your bedroom has extensive mold damage, your insurance provider might cover your stay at a hotel or other residence.
• Save all your receipts for expenses that are a direct result of the mold damage. This can include things such as meals and other living accommodations. It does not include alcoholic drinks.

Guide You Through the Water Damage and Flood Claim Process

As your public adjuster, we will be there during the entire claims process to guide and advise you and negotiate payouts with your insurance company. We’ll also manage and submit any necessary paperwork. We only charge a small percentage based on what we settle for with your insurance. There are no upfront costs for you, making it affordable to get help when you need it.

Assist with Every Stage of Your Water Damage and Mold Claim

Whether you’re at the beginning of filing a water or flood damage claim in Los Angeles, or several weeks into the process, we can help.

• If your insurance company is refusing to cover ALE or Loss of Use expenses, we can work with your insurance company in an attempt to get you reimbursed for any living costs you incurred in your temporary home.
• Sometimes insurance companies will try to cut corners in your repairs by doing a poor repair job to your floors, hiring cheap damage rebuild companies, and failing to remove cabinets for drying when the drywall has been damaged. If you are not happy with the repair of your hardwood floors, we can help negotiate with your insurance company in order to get the “like-for-like” standard outlined in your policy. Also known as the “like kind and quality,” if your insurance policy includes these terms, you are entitled to receive a payout from your insurance company that covers the entire cost to replace items of the same quality as what you previously owned. Again, some insurance policies cover replacement costs, while others do not, so each situation is unique to your specific policy.
• If your insurance claim has been denied, we can speak with your insurance company and provide evidence and reasoning as to why your water or flood damage claim should be covered by your carrier.

Excel Will:

• Assess Building Damage
• Provide Damage Rebuild Services
• Review Insurance Policy Coverage & the Water Damage Rebuild Process
• Evaluate Clients Compliance Responsibilities
• Investigate and Measure the Extent of the Loss
• Evaluate Replacement Cost and/or Depreciation
• Assemble Business Equipment Claim
• Assemble Support Data for Loss of Income Claim
• Prepare Documentation for Advance Payment Request
• Evaluate Microbial Contamination (mold/fungus)
• Assess Total Loss Claims and Review Insurance Estimates
• Expedite the Claim Process
• Negotiate Final Recovery to the Insured’s Satisfaction