Mold Damage Insurance Claims: What to Know

Mold often shows up after water damage that was not fully dried, a hidden leak or storm water. It can affect your home and your health, and mold claims are some of the hardest to sort out because policies treat them differently. Panther Public Adjusting helps policyholders review mold claims.

Where Mold Comes From

• A burst pipe, water heater or appliance leak that was not dried quickly
• Roof leaks and wind-driven rain
• Hidden leaks behind walls, under floors or above ceilings
• High humidity after a storm or flood

What to Do

1. Do not disturb it. Scrubbing or tearing out materials can spread spores.
2. Document. Photograph the mold, the moisture source and the affected areas before cleanup.
3. Call a public adjuster. Call Panther Public Adjusting at 833-PANTHER (833-726-8437). We review your policy, your coverage and the extent of the damage to determine whether you have a claim, and we handle communication with your insurance company.
4. Get testing and remediation records. Keep all reports, invoices and photos.

Why Mold Claims Are Complicated

• Many policies include mold limits, sublimits or conditions
• The cause of the moisture matters: sudden versus ongoing
• Timing matters: how fast the water was dried and when the loss was reported
• Remediation scope can be disputed

Mold can seem minor at first and turn out to be an extensive loss once walls, ceilings and flooring are opened up.

How Panther Public Adjusting Helps

• Review policy language on mold coverage and limits
• Inspect and document the affected areas and the water source
• Prepare an estimate of the remediation and repair scope
• Handle communication with the insurance company

Frequently Asked Questions

Does homeowners insurance cover mold?
It depends on the policy and the cause. Many policies have specific limits for mold. Call us and we will review your coverage.

Do I need to move out?
That depends on the extent of the mold and health concerns. Have your public adjuster review your additional living expenses (ALE) coverage to determine whether you will be covered for moving out and related costs.

Talk to Panther Public Adjusting

Call 833-PANTHER (833-726-8437) or email Claims@PantherPA.com for a claim review. We handle the communication with your insurance company.