Even though mold is everywhere in nature, few homeowners ever consider it until it becomes a problem. When this happens, many are often confused by the claims process because the language in their policies can be complicated. If you have found mold in your home and want to ensure you properly file your claim, call the experts at Murray & Associates.

What is Mold?

Mold is a type of fungus that can be found just about anywhere. When mold settles, it emits spores that travel through the air and can cling onto surfaces throughout a home. However, for mold to grow, it requires moisture. For this reason, mold is most common in places like refrigerators, shower rooms, and near water pipe leaks.

The Dangers of Mold

Mold poses two severe risks to homeowners. Primarily, mold releases microscopic spores and toxins into the air. If inhaled, these pores can cause irritation and a wide range of adverse respiratory conditions. Secondly, mold feeds on whatever surface it grows on, which can result in serious and irreparable damage to your property.

What Happens if I Find Mold in My Home?

There’s a couple of things you need to understand about most mold-related coverage:

  • Most policies do not offer coverage if the mold results from a maintenance issue.
  • Mold remediation doesn’t cover all aspects of the process. A policy might cover up to a certain amount or for specific services, but additional costs will not be covered. As is the case for many policies, coverage doesn’t mean 100%.

When it comes to a mold claim, your best bet is to contact legal experts to answer your questions and guide you through the process. This will help you file a claim properly and get the full extent of coverage outlined by your policy.

Do You Need to File a Mold Insurance Claim in Florida?

Murray & Associates has the legal knowledge and resources to secure a successful claim. Get in touch with us today to learn more!

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