How to File a Mold Damage Insurance Claim Successfully

How Real Estate Professionals Can Help Clients File a Mold Damage Insurance Claim Successfully

Mold damage is a serious concern for homeowners and property investors. Not only can it cause health issues and structural damage, but dealing with mold remediation and insurance claims can also be overwhelming for property owners. As a real estate professional, you are in a unique position to guide and support your clients through this process. Here’s how you can help them file a mold damage insurance claim successfully.

1. Understand the Insurance Policy

Before mold damage even occurs, encourage your clients to review their homeowner’s insurance policy. Not all policies cover mold damage, and coverage often depends on the source of the mold. For example:

• Mold resulting from a covered event (like a burst pipe) may be eligible.

• Mold from long-term maintenance issues typically is not.

Being proactive about understanding coverage helps set realistic expectations.

2. Document Everything

If mold is discovered, documentation is key. Advise your clients to:

• Take photos and videos of the mold-affected areas.

• Keep receipts for any initial cleanup or inspections.

• Record when the mold was first noticed.

This evidence can strengthen the insurance claim.

3. Notify the Insurance Company Immediately

Timing matters in mold claims. Promptly filing a claim demonstrates responsibility and can prevent further damage. Encourage your clients to contact their insurance company as soon as they notice mold.

4. Hire a Licensed Mold Inspector

Recommend hiring a licensed mold inspector to provide a professional assessment. The inspector’s report:

• Identifies the source of the mold.

• Outlines the extent of the damage.

• Provides recommendations for remediation.

This independent report supports the insurance claim with credible third-party documentation.

5. Work With Reputable Remediation Companies

It’s important to work with certified mold remediation specialists. Insurance companies are more likely to approve claims supported by professional remediation plans. Sign up here to get FREE Consultation with Local Restore Pro.

You can add value by maintaining a list of trusted local remediation companies to recommend to your clients.

6. Communicate With the Insurance Adjuster

Encourage clients to:

• Be present when the insurance adjuster visits.

• Provide all documentation, inspection reports, and remediation estimates.

• Follow up regularly to ensure their claim is progressing.

  
  

7. Advocate for Your Clients

As their real estate agent, you can help your clients by:

• Clarifying the insurance process.

• Connecting them with legal or public adjuster resources if a claim is unfairly denied.

• Providing insights on how mold remediation impacts property value and resale potential.