Mold Damage Insurance Claims After a Storm

Storms bring more devastation than only wind and rain, but there’s also the potential for mold damage afterward. Whether the air conditioning has gone out because of a power outage or the high humidity and rainwater infiltrates the property, there is a high risk of mold.

Mold Spreads Fast

The CDC* states that mold can be everywhere. It’s found in the air and sits on surfaces. Mold can also develop within just one to two days after water exposure. Issues arise when environmental conditions allow mold to spread quickly, mainly through windows, vents, HVAC systems and open doorways.

Mold grows fast among leaky roofs, pipes and windows. Anywhere that flooding has occurred, there is a risk of mold. For example, if a tree comes through the roof, your home is exposed to mold growth.

Mold Insurance

Policyholders need to know how to be covered against mold damage. It’s important to read your mold policy coverage and understand the language. In most cases, mold coverage applies anytime that the loss is a result of a covered storm. You must make sure that all reasonable efforts were made to save the property from this damage, or your claim could be denied. Additionally, there might be sub-limits within your policy that cap how much is spent on mold testing, treatment, cleanup and removal.

Our Adjusters Will Help

You don’t have to navigate this complicated situation alone. We know that managing a mold claim can be a nightmare. With an advocate on your side, we can review your policy coverage and take the appropriate steps to get compensation.

Without a qualified insurance adjuster, like 1800Adjusters, you will be taken advantage of. The insurance company will delay, deny or simply underpay your claim.

We want to make sure that doesn’t happen to you. Give us a call today before you contact your insurance company.


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