Florida Insurance Claim Specialists - That work for you!
Water - Mold & Flood Damage Claims are United States Adjusters specialty
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Water , Mold & Flood Damage - Our Florida Public Insurance Adjusters will see you recieve the best settlement possible from your insurance company
Water damage / Mold Damage are some of the most common reasons people make claims on their home insurance. Burst pipes, leaky appliances and flooded basements are just a few of the ways you could discover exactly what is and is not covered by your home insurance policy. You need United States Adjusters to help deliver the results you deserve as a policyholder.
Water damage insurance claims assessment can be tricky. Damage to your most important life investment, your home is not always apparent or visible. Great care should be taken to inspect all aspects of a water break or water related damage. Once you have a 360 degree view of the problem details of how to properly fix the damage can be outlined. Detailed construction processes are defined along with proper clean up techniques to fix the damaged area and any other areas which could have exposed your home to future issues due to the water damage event. Experience is critical in assessing the water damage event. United States Adjusters has knowledge of proper construction methods, proper clean up methods and the critical estimating tools to develop a detailed line by line estimate of damages which will work to your advantage in building your water damage insurance claim against your insurance company.
One call to United States Adjusters can change the stress you feel due to the water/mold damage event. Our Public Adjusters work fast to get on your scene, assess the damages and begin the process of an equitable and proper recovery immediately. We all know the saying “the devil is in the details”; well your insurance company is in the business of running past the details which lead you to a more equitable recovery. United States Adjusters however have a cadre of tools and event experience to assemble a detailed recovery which will lead to a satisfactory recovery of your home and property.
Your home is your most valuable possession and typically the largest investment. United States Adjusters will see to it that you restore your home back to the proper condition and minimize the haggling and stress your insurance company will impose on you when filing a water damage insurance claim. Contact United States Adjusters today to start the process of a proper equitable recovery to your water damage claim.
Get the maximum settlement from your insurance claim.
Mold Damage Claim Tips
Traditionally, mold damage has been covered where it results from a covered peril, such as a broken pipe, a storm, or fire suppression efforts, but not where it occurs gradually over time due to wear and tear. However, public awareness and scientific knowledge of the health hazards of mold have increased dramatically. Techniques for cleaning up mold have become more sophisticated and expensive. As a result, insurers are panicking, refusing to cover mold claims under existing policies and rewriting their policy forms to exclude all coverage for mold, regardless of origin. This in turn is creating a national crisis. UP believes that a combination of governmental regulation, proper underwriting and competitive forces in the private insurance marketplace will remedy the situation.
Meanwhile, here's what to do if you think your property may have a mold condition:
1. TAKE MOLD CONTAMINATION SERIOUSLY.
Remediation Plan
Assess the size of the mold or moisture problem and the type of damaged materials before planning the remediation work. You will need to have a mold protocal right away - Contact United States Adjusters to assist you in the remediation process.
The decision to relocate occupants should consider the size and type of the area affected by mold growth, the type and extent of health effects reported by the occupants, the potential health risks that could be associated with debris, and the amount of disruption likely to be caused by remediation activities. If possible, remediation activities should be scheduled during off-hours when building occupants are less likely to be affected.
Cleanup Methods
A variety of mold cleanup methods are available for remediating damage to building materials and furnishings caused by moisture control problems and mold growth. The specific method or group of methods used will depend on the type of material affected. Please note that professional remediators may use some methods not covered in these guidelines;absence of a method in the guidelines does not necessarily mean that it is not useful.
Method 1: Wet Vacuum
Wet vacuums are vacuum cleaners designed to collect water. They can be used to remove water from floors, carpets, and hard surfaces where water has accumulated. They should not be used to vacuum porous materials, such as gypsum board. They should be used only when materials are still wet—wet vacuums may spread spores if sufficient liquid is not present. The tanks, hoses, and attachments of these vacuums should be thoroughly cleaned and dried after use since mold and mold spores may stick to the surfaces.
Method 2: Damp Wipe
Whether dead or alive, mold is allergenic, and some molds may be toxic. Mold can generally be removed from nonporous (hard) surfaces by wiping or scrubbing with water, or water and detergent. It is important to dry these surfaces quickly and thoroughly to discourage further mold growth. Instructions for cleaning surfaces, as listed on product labels, should always be read and followed. Porous materials that are wet and have mold growing on them may have to be discarded. Since molds will infiltrate porous substances and grow on or fill in empty spaces or crevices, the mold can be difficult or impossible to remove completely.
Method 3: HEPA Vacuum
HEPA (High-Efficiency Particulate Air) vacuums are recommended for final cleanup of remediation areas after materials have been thoroughly dried and contaminated materials removed. HEPA vacuums are also recommended for cleanup of dust that may have settled on surfaces outside the remediation area. Care must be taken to assure that the filter is properly seated in the vacuum so that all the air must pass through the filter. When changing the vacuum filter, remediators should wear PPE to prevent exposure to the mold that has been captured. The filter and contents of the HEPA vacuum must be disposed of in well-sealed plastic bags.
Method 4: Discard
Remove Damaged Materials and Seal in Plastic Bags
Building materials and furnishings that are contaminated with mold growth and are not salvageable should be double-bagged using 6-mil polyethylene sheeting. These materials can then usually be discarded as ordinary construction waste. It is important to package mold contaminated materials in sealed bags before removal from the containment area to minimize the dispersion of mold spores throughout the building. Large items that have heavy mold growth should be covered with polyethylene sheeting and sealed with duct tape before they are removed from the containment area.
Always use gloves and eye protection when cleaning up mold!
Remediation
- Fix the water or humidity problem. Complete and carry out repair plan if appropriate. Revise and carry out maintenance plan if necessary. Revise remediation plan as necessary, if more damage is discovered during remediation.
- Continue to communicate with building occupants, as appropriate to the situation. Be sure to address all concerns.
- Completely clean up mold and dry water-damaged areas. Select appropriate cleaning and drying methods for damaged/ contaminated materials. Carefully contain and remove moldy building materials. Use appropriate Personal Protective Equipment (PPE). Arrange for outside professional support if necessary.
The Key to Mold Control
If you are unsure what to do, or if the item is expensive or of sentimental value, you may wish to consult a specialist. Specialists in furniture repair/restoration, painting, art restoration and conservation, carpet and rug cleaning, water damage, and fire/water restoration are commonly listed in phone books. Be sure to ask for and check references; look for affiliation with professional organizations. Molds Can Damage Building Materials and Furnishings
FLOOD WATER DAMAGE AND RECOVERY
Time is the key factor in the extent of damage done to the elements of the structure - First things first, call United States Adjusters right away to document all of you damage and to insure you receive the most equitable settlement possible. If the water has been in the structure more than a few hours, the damage and amount of material which will need to be removed will be extensive. In this case, items such as gypsum board on the walls and ceilings and insulation under the floor, within the walls and above ceilings become damaged beyond repair and must be removed to minimize further damage to the overall structure.
It is absolutely necessary to initiate the drying process throughout the structure as quickly as possible to ensure MOLD GROWTH WILL NOT HAPPEN. CROSS VENTILATION IS THE MOST EFFECTIVE WAY TO PROMOTE DRYING OUT OF THE INTERIOR OF THE STRUCTURE. This will require the opening of all doors, both interior and exterior, and opening of all windows, to allow the maximum amount of air movement throughout all rooms of the structure, including closets and other spaces. The movements of air throughout the structure can be supplemented by the use of fans and air conditioning. DO NOT USE HEATERS TO ASSIST IN DRYING OUT THE FLOODED STRUCTURE. Heaters can actually cause the humidity inside the structure to increase rather than decrease and will also promote growth of mildew and bacteria. KEEP THE STRUCTURE WELL VENTILATED UNTIL THE INTERIOR MATERIALS ARE COMPLETELY DRY. The length of time will vary. If extensive water soaking has occurred, you may need to test materials with a moisture meter.TO ASSIST YOU WITH YOU FLOOD CLAIM CALL UNITED STATES ADJUSTERS NOW. WE ARE CURRENTLY HELPING VICTIMS OF TROPICAL STORM FAY AND THEIR FLOOD CLAIMS. TOLL FREE 1-888-USA-ADJUSTERS.
If United States Adjusters are unable to get you money for your insurance claim there is NO charge for our service.
 When disaster strikes, people often try to handle the claim themselves. Or worse, they leave the claim handling up to the insurance company, hoping they will be treated fairly and get paid what they are entitled to under the policy. Especially at a time when insurance company resources are critically overtaxed, you have better odds of winning the lottery than getting a good impartial adjuster.
Think of it this way ... you turn over your taxes to a professional for a $2,000 refund, so why would you attempt to handle a $25,00 $50,000, or even $100,000+ insurance claim yourself?
Unless you are experienced and trained in insurance claims as our Public Adjusters, handling your own major loss would be like going to court without an attorney! Now would be the time to contact United States Adjusters, Inc. We know insurance. More importantly, we know insurance claims.
Our Public Adjusters are National insurance adjustment experts, and we will work only for you. We prepare, submit and negotiate the claim on your behalf, and only with your best interests in mind. We are able to explain the process, and inform you of your options every step of the way. Having decades of experience with the largest insurance companies in the country, we know what it takes to present a claim, and achieve the maximum settlement for your loss. Unlike smaller Public Adjusting companies that settle on claims quickly for whatever amount the insurance company wants to settle for; our adjusters fight to make sure you receive the largest settlement possible.
Insurance policies are confusing, and company adjusters are only human. They have varying degrees of experience, knowledge and ability, they are under great pressure from insurance companies and other policyholders, and have huge time constraints. The bottom line - they make mistakes - mistakes which could cost you a lot of money. You need USA on your side!
We only work for YOU! We have the training, experience to recover a maximum claim settlement on your behalf, and educate you on the claim process. By calling United States Adjusters you will receive more knowledge, more power, more understanding, more control, more results, more money!
 
Some mold is very toxic - Don't risk you health have it checked out right away!
Toll Free: 1-888-USA-ADJUSTERS
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