Mold damage claims are complex, because of the mold exclusions or limitations that are found in most insurance policies. Left untreated, mold can impact the health of those exposed to it. The longer mold sits on your property, the more damage it can potentially cause. Public Adjuster Miami Gardens FL team has the tools and experience to assess your mold problem and recommend an effective solution for eliminating it and have it paid by the insurance company.
Molds are ubiquitous in nature, and mold spores are a common component of household and workplace dust. However, when spores are present in large quantities, they are a health hazard to humans, potentially causing allergic reactions and respiratory problems.
Some molds also produce mycotoxins that can pose serious health risks to humans and animals. The term “toxic mold” refers to molds that produce mycotoxins, such as Stachybotrys chartarum, not to all molds. Exposure to high levels of mycotoxins can lead to neurological problems and in some cases death. Prolonged exposure, e.g., daily workplace exposure, can be particularly harmful.
Symptoms of mold exposure can include:
Nasal and sinus congestion, runny nose
Eye irritation, such as itchy, red, watery eyes
Respiratory problems, such as wheezing and difficulty breathing, chest tightness
Skin irritation, such as a rash
Health effects linking to asthma
Infants may develop respiratory symptoms as a result of exposure to a specific type of fungal mold, called Penicillium. Signs that an infant may have mold-related respiratory problems include (but are not limited to) a persistent cough and/or wheeze. Increased exposure increases the probability of developing respiratory symptoms during their first year of life. Studies have shown that a correlation exists between the probability of developing asthma and increased exposure Penicillium. The levels are deemed no mold to low level, from low to intermediate, from intermediate to high.
Mold damage have a variety of health effects depending on the person, some people are more sensitive to mold than others. Mold damage can cause a number of health issues such as; throat irritation, nasal stuffiness, eye irritation, cough and wheezing, as well as skin irritation in some cases. Mold damage may also cause heightened sensitivity depending on the time and nature of exposure. People at higher risk for mold allergies are people with chronic lung illnesses, which will result in more severe reactions when exposed to mold.
There has been sufficient evidence that damp indoor environments are correlated with upper respiratory tract symptoms such as; coughing, and wheezing in people with asthma.
Causes & growing conditions
Molds are found everywhere inside and outside, and can grow on almost any substance when moisture is present. Molds reproduce by spores, which can be carried by air currents. When these spores land on a moist surface that is suitable for life, they begin to grow. Mold is normally found indoors at levels that do not affect most healthy individuals.
Because common building materials are capable of sustaining mold growth, and mold spores are ubiquitous, mold growth in an indoor environment is typically related to water or moisture indoors. Mold damage/growth may also be caused by incomplete drying of flooring materials such as concrete. Flooding, leaky roofs, building maintenance problems, or indoor plumbing problems can lead to mold growth inside. Interior moisture vapor commonly condenses on surfaces cooler than the moisture containing air which enables mold to flourish. This moisture vapor passes through walls, ceilings and condenses typically in the winter months in climates where the heating cycle is extended. Floors over crawlspaces and basements (without vapor barriers or with dirt floors) are also problem areas. (The “doormat test” is very good at detecting moisture vapor emanating from under concrete slabs that are missing a sub-slab vapor barrier.)
For significant mold damage/growth to occur, there must be a source of water (which could be invisible humidity), a source of food and a substrate capable of sustaining growth. Common building materials, such as plywood, drywall, furring strips, carpets, and carpet padding are food for molds. In carpet, invisible dust and cellulose are the food sources. After a single incident of water damage occurs in a building, molds grow inside walls and then become dormant until a subsequent incident of high humidity; this illustrates how mold can appear to be a sudden problem, long after a previous flood or water incident that did not produce such a problem. The right conditions reactivate mold.
MOLD DAMAGE TIPS
In as little as 48 hours, mold can quickly become a problem in your home or business when there’s a water intrusion, like a roof leak or leaking water line. Mold can cause health effects
Roof leaks present multiple challenges for homeowners. They never occur at a time which is convenient and they can lead to significant damage to the interior of your home. Their effects can linger long after the repair has been made in the form of mold growth on the interior surfaces of your home.
In order to trace a leak back to its original source it helps to visually see the active leak instead of depending on the remnants of the leak such as staining on the ceiling. Stains can be used to locate roof leaks, but they may not reveal the entire story behind the roof leak.
A small leak can cause the roof sheathing and rafters of this home to rot. Mold grew in the insulation as well.
If you have water stains that extend across ceilings or run down walls, the cause is probably a roof leak. Tracking down the leak is the hard part; the fixes are usually pretty easy. We’ll show you some simple tricks for finding and repairing most of the common types of roof leaks. But if you live in the Snow Belt and in the winter you have leaks only on warm or sunny days, you probably have ice dams.
Minor leaks can cause major damage
If you have a roof leak, you’d better fix it immediately, even if it doesn’t bother you much or you’re getting a new roof next year. Even over a short time, small leaks can lead to big problems, such as mold, rotted framing and sheathing, destroyed insulation and damaged ceilings. The flashing leak that caused an expensive repair bill (Photo) was obvious from the ceiling stains for over two years. If the homeowner had dealt with it right away, the damage and subsequent repairs would have been minimal.
How to find roof leaks
When you’re trying to track down a leak, start by looking at the roof uphill from the stains. The first thing to look for is any roof penetrations. Items that penetrate the roof are by far the most common source of leaks. In fact, it’s rare for leaks to develop in open areas of uninterrupted shingles, even on older roofs. Penetrations can include plumbing and roof vents, chimneys, dormers or anything else that projects through the roof. They can be several feet above the leak or to the right or left of it.
If you have attic access, the easiest way to track down a leak is to go up there with a flashlight and look for the evidence. There will be water stains, black marks or mold. But if access is a problem or you have a vaulted ceiling, you’ll have to go up onto the roof and examine the suspect(s).
If the problem still isn’t obvious, enlist a helper and go up on the roof with a garden hose. Start low, soaking the area just above where the leak appears in the house. Isolate areas when you run the hose. For example, soak the downhill side of a chimney first, then each side, then the top on both sides. Have your helper stay inside the house waiting for the drip to appear. Let the hose run for several minutes in one area before moving it up the roof a little farther. Tell your helper to yell when a drip becomes visible. You’ll be in the neighborhood of the leak. This process can take well over an hour, so be patient and don’t move the hose too soon.
Solution for a Small Leak
Some roof leaks are tough to locate. Sometimes the water shows up at a ceiling spot distant from the leak. If your ceiling has a plastic vapor barrier between the drywall and the attic insulation, push the insulation aside and look for flow stains on the plastic. Often water runs to openings in the vapor barrier, such as at ceiling light fixtures.
Water damage includes broken pipes, A/C leaks, dishwasher leaks, shower pan leaks, and floods from outside sources such as natural disasters and storms. Water damage claims not properly filed and presented to the Insurance Company can often present issues. Give Home Insurance Miami Gardens FL a call.
Water damage is less likely to be caused by flooding after heavy rains than by a burst or broken plumbing pipe, a break in a dishwasher hose, or a blockage in your plumbing system. These issues can lead to very costly damage to your property.
When Miami Fl Public Adjusters | Platinum Public Adjusters inspect your water damage property, we will look for all of the damage caused by your plumbing or pipe burst claim that your insurance company may have overlooked. Remember, Miami Fl Public Adjusters | Platinum Public Adjusters work on your behalf – not the insurance company – to make sure that you receive the maximum possible settlement.
After water damage: Repairing water damage can be a difficult job. Miami Fl Public Adjusters | Platinum Public Adjusters can make the repair process easier by assisting with every step of the recovery process.
When you discover water damage, be sure to take photos and make notes of the time, date and visible damage to the structure and any of your belongings. As the insured, it is your obligation to mitigate further damage by shutting off the water and removing any carpeting and padding that has the potential for mold growth. Remember that water will spread from floor to floor, always seeking the lowest point, so there may be additional water damage that may not be immediately apparent.
A professional remediation company should be engaged as soon as possible to dry out the walls and the internal cavities of the walls to avoid mold growth. Miami Fl Public Adjusters | Platinum Public Adjusters can help recommend and coordinate with reputable vendors to assist in the mitigation of damages in the event of water damage.
Miami Fl Public Adjusters | Platinum Public Adjusters will represent your interest, and make sure that your claim is properly documented and filed. You should be sure to keep originals (or copies) of all documents and receipts regarding your burst pipe, pipe break under your slab (sometimes called a “slab leak”), burst sprinkler head or any other plumbing issue.
When a fire occurs, the damages to your property can be extreme; fire damage, smoke damage and water damage happening all at once and you will probably need to relocate as your property is inhabitable; Public Adjusters Miami Gardens FL qualified, trained adjusters immediately assess the most effective process for your fire claim and the restoration of your property
Regardless of the cause of a fire (explosion/gas leak, lightning, electrical, grease, etc.), an owner needs to make quick decisions while still under a great deal of stress and confusion. Who should we to call? Where do we stay tonight? Which belongings escaped unharmed? What exactly did we have in the building? How can we start the clean-up process?, this is where Miami Fl Public Adjusters | Platinum Public Adjusters come into the picture for help.
Miami Fl Public Adjusters | Platinum Public Adjusters is there to help you put your insurance to work for you. Miami Fl Public Adjusters | Platinum Public Adjusters have the experience and the knowledge to answer your immediate questions and help you through the complicated claims process. One of the first things we do is to evaluate all of the damage and take a good hard look at your policy. Determining the “scope of loss” and analyzing your policy will help us best determine the best way to move forward with your claim to get you the maximum possible settlement.
When Miami Fl Public Adjusters | Platinum Public Adjusters evaluate fire damage, we look carefully at all the damage related to the fire, including smoke, soot, raw heat and of course, all of the water or other extinguishing materials. You should be paid in full for all of the damage – not just part of it. If your residence or business is be livable or workable, you may need to find new quarters while the damage is repaired. Many people don’t realize that “additional living expenses” like hotel accommodations, restaurant meals and dry cleaning can all be claimed and covered. Miami Fl Public Adjusters | Platinum Public Adjusters will help you sort out those issues, so you can get back to living your life.
Let the experts at Miami Fl Public Adjusters | Platinum Public Adjusters handle the insurance claim process for you. Whether the Fire Damage or Smoke Damage occurred at your residence, your commercial building, or your business, our team can help!
Why Should You Hire the Miami Fl Public Adjusters | Platinum Public Adjusters?
- We have the experience and knowledge needed to handle almost any size insurance claim.
- Most of the adjusters that represent Miami Fl Public Adjusters | Platinum Public Adjusters are FORMER insurance company adjusters. Therefore, our public adjusters know how the insurance adjuster might perceive each claim. Additionally, by adjusting in both sides of the industry, our public adjusters often know the insurance adjuster assigned to your claim-this can make negotiating easier.
- Our adjusters are extremely familiar with all types of Florida insurance policies, and are even familiar with the Florida Statutes that may supersede many insurance policies.
- Our knowledge in policies, statutes, and coverage, help us to negotiate the absolute best possible settlement for your loss. Miami Fl Public Adjusters | Platinum Public Adjusters will even look for hidden damages that might increase your settlement.
- We are a full-time Public Adjusting Company, with full time public adjusters. Public Adjusting is our ONLY business, and all Miami Fl Public Adjusters | Platinum Public Adjusters do is handle insurance claims each and every day. Our knowledge and experience will benefit each and every client. Miami Fl Public Adjusters | Platinum Public Adjusters not only take away the claim stress, but also maximize your recovery.