Get the most for your water or mold claim

Water damage claim

Water & mold damage is the most common types of claims that a homeowner is likely to run into. While many homeowners file insurance claims for their water or mold damages, only a few are able to obtain the right amount of money needed to properly fix their homes.

In this post, we are going to break down the steps you can take to maximize your water or mold claim payout.


1: Document & photograph any damages you see

Water & mold claims are sometimes hard to settle due to not always knowing the extent of the damages. For example, you may see that water has damaged your cabinets, however, after removing some of the cabinetry, you can discover that your drywall will need to be replaced.

The first step to properly preparing any good insurance claim is to document all the damages. 

Along with water or mold claims also come damage to things that you may not see. Make sure to include everything you are claiming, and also bring up the possibility of further damage to unseen areas. 



2:Review your policy for water or mold-related perils

After documenting all the damages & filing a claim, you then want to review your policy for water-related issues. 

Important* Many polices will cover mold, however, the mold must be a result of a covered peril. Polices can be difficult to read at times if you’re not used to the language as a public adjuster would be.

When looking at your policy, make sure to analyze it & look for items that can be covered.


3: Know the insurance company investigations limitation

States such as Florida & Georgia have strict limitations as to the length of time allowed for an insurance company to make a coverage decision.

For example, in the state of Georgia, the insurance company has up to 30 days to pay or deny a claim after it has been reported.

Don’t let the insurance company play around with your home that you’ve worked hard for. Make sure to write down the exact day you filed your claim.


4: Consider hiring a public adjuster

If all else fails & the insurance company is not offering a reasonable figure to repair your water or mold-related issues, then it may be time to look into hiring a Public adjuster.

Just like the insurance company has its own adjuster, a public adjuster works to investigate your claim, put together an estimate & negotiate on your behalf.



Water & mold claims can be an extensive undertaking for a homeowner. However, by educating yourself & documenting everything, your chances of success can be much higher than someone who may blindly trust the insurance company with everything.

Florida Public Adjuster

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