Mold exclusions, moisture timelines, hidden damage clauses—we’ve seen how insurers use this language to delay or deny valid claims. We know how to push back with policy-specific arguments that get attention.
We document the source, the spread, and the impact. From attic ventilation issues to water trapped behind walls, we don’t stop at the obvious—we present the full picture your insurer can’t ignore.
We handle the insurer communication, paperwork, and negotiations—so you don’t have to justify your damage to a desk adjuster who’s never seen your home.
Insurers often default to denial when it comes to mold. They’ll claim it formed over time, that it resulted from a lack of ventilation, or that the source of moisture wasn’t covered.
We commonly see mold claims denied because insurers argue:
Mold grows quickly. So do denial tactics. If you’re already dealing with an unresponsive insurer or not sure what’s covered, we’ll take a look, explain your options, and let you decide the next step.
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Individual License #19923501