WE KEEP IT SIMPLE
There are four reasons why you are reading this:
Your Condo or Building Association is required to conduct mold testing for inspection purposes.
You have recently had a “water event” – flooding or some type of water leak in your home.
You suspect someone in your home may be getting sick from mold exposure.
You have seen signs of mold in your home or workplace and need to understand what you should do.
In all cases, you need to understand what you are dealing with in order to plan for the next steps to GET RID OF IT.
Just the idea of mold can freak people out...
There is so much information available about mold – what it is, how it affects people’s health and building structures, and how to get rid of it safely. There is advice from endless companies offering mold solutions, advice from various government agencies, and even retail stores offering product solutions.
Let our team at Environmental Matters Contracting & Consulting guide you through the entire process.
MITIGATION & REMEDIATION
The Steps Involved in a Mold Inspection*
Upon arrival we look for visible signs of areas that indicate a potential problem.
We take various physical samples of the suspected “mold” to be submitted to an accredited lab for testing.
We collect air samples for testing – it is ALWAYS recommended that you have air samples tested – many times what you see can be different than what is found in the air.
We take an outside air sample as a “control,” as each area has a normal outdoor ecology and in addition to the possibility of any molds being transferred from the outside into the home, it helps with identifying molds not common for the area, which can indicate a problem inside the home.
We can help with identifying the source of the mold – once the source is identified and repaired, (i.e., leaky roof or plumbing or broken pipe) we will determine how much “remediation” is necessary – the extent of remediation depends on the site inspection, the lab results, and industry protocols (may be only one room, may be entire home). Remediation is the procedure (steps) of exactly what needs to be done in the home to remove as much of the mold as possible.
Once the Lab Results Are Returned
If you have been feeling sick, take the lab reports to your doctor immediately.
Based on the lab reports, we will write a “remediation protocol,” (a step-by-step plan on what steps are necessary to eliminate the mold and what repairs are necessary from water damage – this could include anything from replacing damaged base boards or installing new cupboards, painting walls, replacing carpeting, etc.) the remediation protocol can also be sent to your insurance company if dealing with a claim.
Mold remediation may be covered by your homeowner’s insurance if the mold is a direct result of a covered loss, i.e.
a leak from a malfunctioning appliance
a broken pipe
a burst by a water heater
water damage caused by firefighters extinguishing a fire in your home
or other types of covered losses
What happens if the homeowner’s insurance settlement is not enough to cover the costs of the remediation and repairs?
WE WILL FIGHT FOR YOU
While it is always best to have a public adjuster involved in the beginning, if you have already filed an insurance claim and the insurance company is not cooperating, you can work with our public adjuster to help get the proper assistance you need. They will determine the full extent of damages and be sure that you receive every dime to which you are entitled.
A public adjuster is a state-licensed professional who is expertly familiar with industry laws, regulations, and market trends for both the insurance industry and the construction industry. They negotiate directly with your insurance company to recover the most money possible. It is virtually a STRESS-FREE experience on your part.
With no out-of-pocket or up-front costs, they prepare and settle your property damage claim on your behalf for a moderate fee of no more than 20% (regulated by the Florida Division of Insurance Agent and Agency Services) of the additional funds that they recover for your total loss.
Example: If the insurance company offered you a settlement for $10,000 for your total loss and then the public adjuster recovers an additional $7,000 for you, you would pay the public adjuster no more than 20% of the $7,000, totaling $1400 ONLY after the insurance company sends the policyholder the claim settlement.
How Our Public Adjuster Helps YOU
Real Client Claim Examples
Offer from Insurance Carrier
Amount recovered for insured
*Ordinance or Law Coverage is an insurance endorsement that covers the cost to rebuild a destroyed property, as well as the cost to upgrade a home so that it meets the most up-to-date building codes after a covered loss
*Although some agencies may state that they do not recommend mold testing or sampling, most testing is recommended for insurance claims in order to have a complete understanding of both visible and invisible molds in the indoor environment and to get a clear picture of the overall condition of spread – in these cases, testing needs to be done.
A Real-time Client Example: If someone is concerned about health issues, we always recommend testing to see if anything is found and we suggest the client let the doctor determine what the results mean for the patient. We recently helped a client who was very sick from a fungal infection and suspected mold was the cause. We conducted mold testing and found there were no issues in the home, which meant that the mold came from another source – it was her workplace. In this case the investment on the mold testing was able to eliminate the home from the source and gave them peace of mind that the home was clear of mold.