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.
Mold can cause serious illness and property damage. Insurance claim representatives, adjusters and industry consultants are fond of dismissively telling policyholders that mold has been around as long as people have been living in houses. Whenever you hear that, cite Leviticus 14:33-48 to them–chapter and verse–and tell them that for just as long, "mold remediation professionals" have been tearing out mold contaminated walls, and demolishing entire mold contaminated houses:
The Lord said to Moses and Aaron: "When you come into the land of Canaan, which I give you for a possession, and I put a leprous disease ["mold" or "fungus"] in a house in the land of your possession, then he who owns the house shall come and tell the priest ["certified industrial hygienist"], 'There seems to me to be some sort of disease in my house.' Then the priest shall command that they empty the house before the priest goes to examine the disease, lest all that is in the house be declared unclean; and afterward the priest shall go in to see the house. And he shall examine the disease ["visual inspection"]; and if the disease is in the walls of the house with greenish or reddish spots, and if it appears to be deeper than the surface, then the priest shall go out of the house to the door of the house, and shut up the house seven days ["containment/testing"]. And the priest shall come again on the seventh day, and look; and if the disease has spread in the walls of the house, then the priest shall command that they take out the stones in which is the disease and throw them into an unclean place outside the city ["licensed land fill"]; and he shall cause the inside of the house to be scraped round about, and the plaster that they scrape off they shall pour into an unclean place outside the city; then they shall take other stones and put them in the place of those stones, and he shall take other plaster and plaster the house ["remediation/operations & maintenance plan"]. If the disease breaks out again in the house, after he has taken out the stones and scraped the house and plastered it, then the priest shall go and look; and if the disease has spread in the house, it is a malignant leprosy ["too far gone"] in the house; it is unclean. And he shall break down the house, its stones and timber and all the plaster of the house; and he shall carry them forth out of the city to an unclean place ["demolition"]. Moreover he who enters the house while it is shut up shall be unclean until the evening; and he who lies down in the house shall wash his clothes; and he who eats in the house shall wash his clothes ["decontamination"]. But if the priest comes and makes an examination, and the disease has not spread in the house after the house was plastered, then the priest shall pronounce the house clean, for the disease is healed ["clearance testing"]."
If United States Adjusters are unable to get you money for your insurance claim there is NO charge for our service.
