Mold is unsightly, emits an unpleasant odor, can do serious structural damage to your home, and can even cause health issues – especially for those with respiratory health concerns. Mold is often caused by hidden moisture, which is often the result of a leak in your home or business that goes unchecked because it is not visible. If your home or commercial property has been damaged by mold, discuss your concerns with an experienced Belleair Shore, FL mold insurance claims lawyer today.
Insurance Policies and Mold Exclusions
As consumers have become better educated regarding the deleterious effects of mold, insurance companies have begun wording their policies in a manner that nearly eliminates coverage for mold altogether. The fact is, however, that property damage caused by water – when not adequately addressed and mitigated – can lead to serious mold issues. While there is wiggle room within many policies to file a claim based on mold damage, some policies have absolute mold exclusions. In other words, it’s complicated, and it’s in your best interest to work closely with an experienced Belleair Shore mold insurance claims lawyer.
The Precipitating Event
Mold is often the secondary result of another kind of damage to your home or commercial property. For example, if you’ve had a leak in your pipes, had a leak in your roof, or had flooding, you could experience a mold problem in your future. This is why it’s so important to ensure that any settlement you accept from a residential insurance company truly covers all of your damages in the first place – and allows you to fully repair those damages in an effort to help prevent mold from taking hold in the future.
Mold and Your Health
Regardless of how you acquired the mold in your home, it’s important to address the issue head-on and obtain the repairs you need to ensure that the mold is eliminated. When left to grow, mold becomes even more tenacious and more damaging. Health concerns are one component of this damage, and FEMA (Federal Emergency Management Agency) shares that mold can lead to any of the following:
- Respiratory difficulties, including breathing problems, wheezing, and more
- Shortness of breath
- Sore throat
- Irritation of the nose and throat
- Skin irritations
- Burning, watery eyes
- Nasal and sinus congestion
- A dry, hacking cough
If anyone in your home has trouble shaking any of these symptoms, it may be indicative of a serious mold problem.
Mold and Your Home
Mold grows when the mold spores find a home with sufficient moisture that is invitingly warm and provides a food source, which can include:
- Your home’s insulation
- Ceiling tiles
- Paper sheathing
- Wood moldings
In other words, those hidden, dark, and warm spaces in your home are perfect breeding grounds for mold.
The warning signs that your home may have a mold problem include all of the following:
- If you can see mold, it likely means that your home also has hidden mold issues – the conditions are likely conducive to growing mold elsewhere in your home.
- If you notice a musty, moldy smell upon entering your home, its source is very likely a considerable amount of hidden mold.
- If you witness water stains or discoloration on an internal wall(s), external wall(s), or ceiling in your home, it’s probably mold’s calling card.
- If your home has any standing water or you experience condensation on your window sills, walls, or floors, you have a moisture issue that could mean mold.
- If you notice any squishy spots when you walk over your floors, it generally means you have rotting caused by moisture and mold.
Because mold feeds on and breaks down organic material, once it settles in, it can spread quickly. This can translate not only to physical damage to your home but also to your home’s fixtures, furnishings, and contents. Finally, if mold isn’t effectively removed, whatever’s left behind can continue growing and leave you with another serious mold problem after the fact.
Work Closely with an Experienced Belleair Shore, FL Mold Insurance Claims Lawyer
Mold can cause serious damage to your home or commercial property, but the dedicated mold insurance claims lawyers at The Law Offices of Jerrod Paul, PA, in Belleair Shore, FL, are well-prepared to zealously fight for your rights and for your rightful compensation. We care about your case, so please don’t hesitate to contact us online or call us for more information today.