Annual Mold Inspections: Healthy Home

If you live in a humid and warm area, it is a good idea to have an annual mold inspection performed on your home. Mold can form almost anywhere in your home, and when it does, it can be very dangerous to the health of your family members. It is very important to identify any mold growth in your home so you can get it treated quickly. Mold can cause allergic reactions, and several other health-related situations. When you schedule a mold inspection, it is important to choose the right type of inspection service.

What is Involved in a Mold Inspection?
A mold inspection involves some things. The mold inspector will do a complete inspection and identify any areas which need to be addressed. The inspector will not only identify and areas of mold growth but will also identify any areas that could pose a problem in the future. Common problem areas include odors, water damage, and any signs of fungal growth.
The inspection should include both the interior and the exterior of the home.
Exterior Inspection
Exterior signs of water damage are also important because these can lead to mold growth. Anything that could cause a leak such as broken gutters, broken pipes, cracked foundation or cracked brickwork could result in a water damage that can lead to mold growth.
After first performing a visual check on both the exterior and the interior of the home, the mold inspector will then take measures of the moisture levels in the home’s walls at specific intervals of about every two feet. The inspector should pay close attention in certain areas such as around water heaters or under sinks. The inspector must carefully observe any place where water is present. The desired moisture measure is less than 15 percent.
Interior Inspection
If the mold inspector finds high moisture levels anywhere in the home, he will most likely recommend taking air samples in any areas of water damage or visible mold growth. The inspector will usually take more than one sample. They will take an air sample near where the mold is visible or near the area where mold growth is possible. The inspector will then take another sample outside.
The outside sample is used to determine which molds are commonly found in the air near the home. The outdoor sample is compared to the indoor sample to determine if the mold present inside differs from the common molds found in the area. This measurement can also determine if the mold growth inside is significantly higher than what is commonly found in the air.

Mold Testing

It will take up to four days to get the results of the samples. As soon as the mold inspector receives the results, they should call the homeowner and let them know if they have a mold problem. The mold inspector should be able to clearly articulate the results and discuss possible options with the homeowner.
If you live in a  warm climate, it is important to get an annual mold inspection. If you do have a mold infestation, you should get it treated as quickly as possible.  Check your insurance policy for coverage levels and if you have mold coverage, file a claim with the help of a licensed public adjuster.

Insurance Claims For Smoke Damage

Smoke damage insurance claims work much like any other insurance claim. Once the fire is out, and things have calmed down, you will want to document the incident as thoroughly as possible.

Who, What, When, Where and Why

The date and the most precise time the incident happened. Beyond just knowing when the smoke damage happened, you’ll want to document, possibly with photographs, the type of damage and loss that the fire caused. The location of this damage is also of the utmost importance. If someone was injured in the fire, the insurance company would wish to know as much. If other people were involved in the fire in any way, noting their role in the incident, however small it may seem, they should be mentioned as well.
Other information the insurance company will want is the condition of your home when the incident happened. Additionally, a description of damaged contents will also be of great importance to the insurance company for determining the value of assets lost in the blaze. It is also a solid idea to note if temporary repairs or total replacements of lost assets and parts of your home where necessary. Finally, you will want a copy of the police department’s report and the fire department’s report on the incident. Some of these departments may even be willing to submit these reports to insurance companies, but more often, one will have to take the report and pass it on to the insurance company.

Move Fast

However, this should all be done as soon as possible because most insurance companies give their clients a specific frame of time in which they will need to receive the reports of the damage. Know that amount of time and make sure you file your claim before that due date. Also, there are going to be lots of emails and documents sent between you and your insurance company. All of these correspondences and documents should be copied and kept in a single place, ideally a large binder. Keeping all the information in one place will save you a great deal of aggravation during the claims process.

File the Claim

Beyond simple documentation, you will need to speak to a few people. Sometimes, insurance companies will send claims adjusters to determine the legitimacy of an insurance claim. These experts are paid by the insurance company to look for signs of arson or negligence, but they are not your opponent. Treating them belligerently will not lead to anything good for you, and barring truly personal details, it is best to cooperate with them.

Hire An Expert

If you are still uncomfortable speaking to the insurance adjuster, contact us to give you a free consultation.  Once you hire us, we can handle the communication with the insurance company on your behalf.
Additionally, you will want to get the damage cleaned up by a professional. Cleaning the damage yourself can be hazardous after a fire, as well as making it difficult to document the exact cost of the blaze in financial terms. Additionally, most smoke damage tends to get worse when people attempt to clean with common water based cleaners, which only further complicates the claims process.

Why Hire A Private Insurance Adjuster?

Filing an insurance claim, be it personal or commercial, can be highly stressful and quite overwhelming.  It is true that the filing of business insurance claims is not accompanied by the loss of sentimental items or property damage, in the case of residential losses, but it can be as worrying.  In fact, the success of a business insurance claim can be more influential than a personal claim because company claims affect numerous people and not just a single individual.
While many company owners hope to never find themselves in a situation where an insurance claim will need to be filed, this is not the situation.  The most common claims are associated with property damage, including water and wind damage, and accidental damage is inevitable.  The question remains: how can you ensure you receive the ideal settlement for your claim?  Unless you have knowledge of insurance claims and have read the policy carefully, there is a great chance that you may be underpaid or have the claim denied.
So, is there any method available to ensure a positive settlement for business insurance claims?  One method is to hire a private insurance adjuster.  A private adjuster is an individual who specializes in insurance claims and will assist you in filing the claim.  Of course, it is possible to undertake this task independently and save the cost of insurance adjuster fees; however, it is not always recommended as an insurance adjuster will present with various benefits.  This article will point out the different reasons why you should hire a private insurance adjuster.

1. A Better Settlement

Despite private adjusters receiving a percentage of the recovery as payment for services, the settlement amount can be substantially higher when using a professional service.  This means that, even after the adjuster’s commission is removed, the settlement obtained is more beneficial than if you had submitted an insurance claim independently.
The primary reason for the difference in this settlement amount is the ability of an adjuster to examine the minute details in an insurance policy.  Many business owners have several tasks to handle at any given time, which results in poorly completed insurance claim applications.  By using a professional service, you can ensure a thorough application to receive a better payout.
Businessman Giving Cheque To Other Person

2. Less Time-Consuming

Completing an insurance claim application is not as simple as filling out a form, there are numerous factors to consider and various documents to complete before the application can be submitted.  Unfortunately, business owners have busy schedules to maintain and losing time completing an application can be stressful. Use a professional private insurance adjuster, and remove the stress of paperwork; as well as, eliminating any tiresome and time-consuming follow-up tasks.  You can focus on other business tasks while still submitting a professionally completed insurance claim.

3. Faster Results

Ideally, one would like the insurance claim to be settled within a short period allowing you to put the damaging incident behind you.  Unfortunately, insurance companies are infamous for wasting time and spending several weeks or months on a single business insurance claim.  By using a private adjuster, it is possible to speed up the claims submission, and the public adjuster will answer calls and provide supplemental information quicker.  Visit