Insurance & Claims

Maximum Results. Minimum Hassle.

Our team will assist you in filing your property insurance claim and ensuring that you receive the coverage you are entitled to.

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Mold Damage Insurance Claims

The majority of mold insurance claims typically arise in one of two circumstances:

01

Mold comes to the property owner’s attention along with the discovery of ongoing moisture buildup, water leakage or water intrusion that has gone on for some time below the property owner’s radar.

02

After a sudden, accidental flood or leak from a plumbing system or appliance, there is a delay in or failure to adequately dry out water damaged building products, fixtures, furnishings, finishes or belongings.

The certified technicians at Five Boro Mold Specialist have been trained to detect any water damage and/or intrusion affiliated with the property. If you are making a claim to your own insurer for damage to your property, you are making a “first party” property claim. If you are asking your insurer to investigate or defend a claim against you–for example, your tenants are suing you for mold contamination–you are making a “third-party” liability claim to your insurer. Five Boro Mold Specialist provides all of our clients with a detailed report that will assist with any type of insurance claim. The following are some helpful pointers for each type of claim…

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Property Damage Coverage

The majority of mold insurance claims typically arise in one of two circumstances:

Homeowner, commercial property owner and renter property policies differ in kind and in scope from insurer to insurer. Whether mold contamination is covered under your policy will depend on the specific policy language and the cause or causes of the mold contamination. Read your policy carefully. Some property policies are “specified peril” policies, which may cover mold contamination if you can prove that it is caused by one the listed “perils” or causes.

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Third -Party Liability Coverage

The majority of mold insurance claims typically arise in one of two circumstances:

In most liability policies, your insurer agrees to defend you if you’re sued, and to reimburse (“indemnify”) you if get hit with a judgment. Somewhere in between, there is a duty to settle claims against you. The duty to defend you is much broader than the duty to indemnify you: typically the insurer must defend you if the person suing you alleges facts that merely potentially seek damages within the coverage of your policy.

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Insurance Claim Tips For Mold Damage

The majority of mold insurance claims typically arise in one of two circumstances:

01

Take Mold Condition 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. But with the introduction of mass-produced building products, tract home construction techniques, residential and commercial buildings have become more susceptible to developing mold contamination in any moist breeding ground.

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Top 10 Insurance Claim Tips

Be pro-active in the claim process.
You’re not on a level playing field when you’re dealing with an insurance claim.
Think of your insurance claim as a business negotiation—you’re dealing with a for-profit company.
Give your insurance company a chance to do the right thing, but don’t mistake a friendly representative for a friend.
Document and support your claim with proof, details and estimates. Five Boro Mold Specialist’s Mold Inspection Report will provide thorough and complete analysis of damages incurred.
Present clear requests in writing that explain what you need, when you need it, and why you’re entitled to it.
Don’t pad or exaggerate your claim.
Don’t sign legal documents without consulting with a qualified attorney.
Try to resolve problems informally but complain in writing, go up the chain of command and/or use government agency help when necessary.
Get specialized professional help when you need it; start by calling our office staff at 718-677-6653 to become more informed of the process.