Mold Testing Manhattan

Mold Insurance Experts

cbpiii — Sat, 10 Mar 2012 08:25:44 +0000

We are Mold Insurance Claims Experts. Mold Claims are tricky and best handled by an experienced expert. MoldNY.org has worked with hundreds of property owners to help solve there mold insurance issues. Its important to have a expert such as ourselves evaluate your

mold fungi contamination situation prior to contacting your insurance company. Arter a proper evaluation we can best determine how to place your claim as to the cause of loss in order to get you covered. Remember if you say the wrong thing to an insurance company first report unit or an adjuster you can cause an unnecessary claim denial. Call MolyNY.org today for a free expert evaluation.

Mold needs moisture to thrive. Problems can arise for homeowners when the presence of persistent moisture goes undetected or unresolved, leading to widespread mold growth. Moisture can result from high indoor humidity, flooding, or a leaky roof or dishwasher.

Whether mold damage is covered by homeowners insurance often comes down to the source of that moisture. Take an hour or two to review the language of your policy, especially as it pertains to water damage. Look for mold exclusions or limitations. Call your agent if the wording is unclear.

Home insurance and mold

Most basic homeowners insurance policies exclude coverage of damage caused by mold, fungi, and bacteria, says Mark Ferguson, property claim specialist with General Casualty Insurance in Sun Prairie, Wis. Yet that doesn’t mean a mold claim will be denied automatically.

In most cases, if mold results from a sudden and accidental covered peril, such as a pipe bursting, the cost of remediation should be covered, says Ferguson. That’s because technically the pipe burst is the reason for the claim, not the mold itself. Claims are more likely to be rejected if mold is caused by neglected home maintenance: long-term exposure to humidity, or repeated water leaks and seepage.

It’s hard to put a precise dollar figure on mold damage because most insurers don’t separate mold claims from water-damage claims, says Claire Wilkinson of the Insurance Information Institute. About 22% of all homeowners insurance claims result from “water damage and freezing,” a category that includes mold remediation, according to the III. A 2003 white paper on mold from the III put the cost of the average mold claim between $15,000 and $30,000, at least five times the average non-mold homeowners claim at that time.

After a rush of mold claims in the early 2000s, most states adopted limitations on mold coverage. Amounts vary, but a typical homeowners policy might cover between $1,000 and $10,000 in mold remediation and repair, says Celia Santana of Personal Risk Management Solutions in New York. Most policies won’t cover mold related to flood damage. For that, homeowners need separate flood insurance, which averages $540 per year through the National Flood Insurance Program.

We Work With Your Insurance

We can work with your insurance company and assist you with all the necessary forms and paperwork. After you’ve submitted a claim to your insurance company, an adjuster will be assigned to your claim. You should receive a phone call, letter, or email from your assigned adjuster introducing him/herself and informing you of the general process of your insurance company.

We can assist you every step of the way giving you peace of mind knowing that your loss will be treated with the utmost care and respect from start to finish. We can assist your insurance adjuster evaluate the type and extent of damage sustained.

If a claim is deemed necessary, a Restoration Insurance Specialist will be happy to assist you through the claims process.

Call us befor you make an insurance claim. We work with all major insurance companies and can provide all the documentation required.

Whatever the nature of your loss – fire, water, sewage, mold or wind every loss is reviewed and analyzed by our team of highly trained insurance specialists to ensure the job is done correctly and covered.

Mold FAQ

cbpiii — Sat, 10 Mar 2012 08:20:11 +0000

General FAQ’s About Mold

Question: What if I suspect mold but cannot find it?

Answer. First thing to do is to look where there has been previous water passage damages. Stagnant water and places with lots of humidity can cause molds. Though not that often, visible mold growth can sometimes be found underneath materials where water has damaged surfaces or behind walls. Better keep all water containers properly checked and closed to avoid molds. Through away unnecessary containers and always change the water in your flower vases.

Question: How much mold can make me sick?

Answer: It depends on the situation. Sometimes, relatively small number of mold spores can cause health problems to people who has low stamina. For other people, it may take lots of mold consumption before getting illnesses from molds contamination. The basic rule is, if you can see or smell it, take steps to eliminate the excess moisture DO household clean-up by removing first the molds before it penetrate in your house and do more damage to health and safety of your family. Porous substances that are growing mold should be thrown out.

Question: What symptoms do molds commonly cause?

Answer: There are several illness caused by molds but not that distinguishable. One and the most common symptom of mold infection is irritation. When a person is being exposed to molds, he keeps on rubbing and scratching his eyes and nose. Another symptom is he will find it hard to breath since upper breathing passage is being block by the molds. Thus, burning eyes, nasal congestion, coughing, and post-nasal drip can be an indication that the person has been exposed to molds.

Here are some information about mold invasion in ones body:

Allergy. Some people who are allergic to mold may develop hay fever or asthma. Common symptoms of allergies caused by mold are itchy, watery eyes, nasal congestion, sneezing, chest tightness, cough and wheezing.
Toxins. Some chemicals created by molds are toxic. While much remains unknown about mold toxins, it appears that some molds produce toxins that can have negative effects on the skin, the respiratory system, the immune system, and the nervous system.
Infection. Some molds can also cause infection. Infectious mold can cause chronic sinus infections. There are also types of mold which can cause induced infection. Although this type is not common, it can still affect people with weakened immune systems. HIV infected individuals; those who are receiving chemotherapy sessions; and the elderly people would likely acquire infections from molds. Children and pregnant women may also be at increased risk of being infected.

Question: Are some molds more hazardous than others?

Answer: The sensitivity towards mold varies in different individuals. Amount and type needed to cause reactions must be considered. In addition, there is a certain type of molds which can produce toxins called mycotoxins. Mycotoxins are not always being produced. Molds can only produce toxic chemicals depending on where the mold is growing on; weather conditions such as temperature, pH, humidity ; or other unknown factors. When mycotoxins are present, they occur in both living and dead mold spores and may be present in materials that have become contaminated with molds.

Question: What can I save? What should I throw away?

Answer: In general, porous substances where molds are starting to grow must be thrown away. This substances refer to papers, rags, wallboard, and rotten wood. Harder materials such as glass, plastic, or metal can be kept after they are cleaned and disinfected. Always remember to make a routine inspection of places where molds would likely inhibit to avoid infestations and illnesses of the family members.

Mold Inspections and Abatement

cbpiii — Fri, 09 Mar 2012 02:13:18 +0000