Molds are microscopic organisms that live on plant or animal matter. They aid in the break down of dead material and recycle nutrients in the environment. Present virtually everywhere, they can be found growing on organic material such as soil, foods, and plant matter. To reproduce, molds produce spores, which spread through air, water or by insects. These spores act like seeds and can form new mold growth if the conditions are right.
Mold growth may occur as a result of a loss that has happened in your home that has caused a sufficient of moisture. Some of the most common sources of moisture are:
- Shower and bath steam
- Wet clothes
- Improper ventilation
- Roof leaks
- Plumbing leaks
- Drainage problems
- Damp basements
In addition to causing damage to your home, exposure to mold can cause health problems for some people. The most common effects are allergic responses from breathing mold spores. These allergic responses resemble hay fever or asthma and irritation of the eyes, nose, throat or lungs. It is difficult say how much mold is too much as our reactions to allergens can vary greatly depending on individual sensitivity. Allergic responses can come from exposure to dead as well as to living mold spores. Therefore, killing mold with bleach and or other disinfectants may not prevent allergic responses.
Filing a claim for mold poses a challenge. You need someone in your corner to advocate for you and negotiate with the insurance company to make sure you get a sufficient monetary settlement to eradicate the mold and repair or replace your damaged belongings.
We have an excellent reputation for being extremely aggressive in our representation of our Insured’s claims and in our negotiations with Insurers as we exclusively represent YOU, the Insured Policyholder. We also provide consultation services for those who want to be prepared in the event of any type of loss or catastrophe in the future. We understand our clients’ need to obtain a fair and accurate settlement as quickly as possible. Our knowledge and experience in the claim process along with our knowledge of insurance claims departments’ policies and procedures enables us to achieve outstanding positive results for our clients. We will do all we can to assist our clients’ needs in their time of need due to a Property Damage Insurance Claim. We are there to help you 365 days of the year, 7 days a week and 24 hours a day. Call our toll free line at (855) 441-6031 at any time, day or night!
Real Life Claims
California Claim Results
Los Angeles Church Hit by Tornado
GuideOne Insurance Co. offers to pay $60,007.36 before PDICS representation
PDICS’ representation recovers $313,646,72 for Client
523% More Money
Nebraska Claim Results
Alma, Nebraska Residential Property Hit by High Winds
Farmers Mutual Insurance offers to pay $15,053.57 before PDICS representation
PDICS’ representation recovers $95,878.42 for Client
637% More Money
Colorado Claim Results
Colorado Springs Motel Gets Hit by Hail Storm
Lloyd’s of London Insurance offers to pay $13,232,71 before PDICS representation
PDICS’ representation recovers $83,560.59 for Client
631% More Money
Oklahoma Claim Results
Oklahoma City, OK Apartment Complex Damaged by Wind and Hail
GuideOne Insurance Co. offers to pay $171,721.47 before PDICS representation
PDICS’ representation recovers $494,584.44 for Client
290% More Money