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Mold damage occurs when excess moisture allows microscopic mold spores to grow and spread on building materials, furniture, and personal belongings. It’s one of the most hidden yet harmful forms of property damage — affecting both the structure of your home and the health of its occupants.
Windstorms and hurricanes are some of the most destructive natural events, and they often leave behind far more damage than you first see.
The force of high winds can tear off roofs, break windows, and scatter debris. Hurricanes add another layer, bringing heavy rain and flooding into your property. Even if your home looks fine from the outside, hidden damage can compromise your safety and cost thousands if not handled correctly.”
Slow, hidden leaks often go unnoticed until mold has already spread behind walls or under floors.
Floodwater that isn’t fully dried within 24–48 hours creates ideal conditions for mold. Even minor flooding in basements or crawl spaces can start growth deep inside the structure.
When pipes burst, moisture seeps into drywall, insulation, and flooring, allowing mold to thrive.
When air doesn’t circulate properly, moisture stays trapped indoors. Mold spores can spread through the HVAC system, contaminating the entire property.
Even after a leak or flood is cleaned up, trapped moisture inside walls or under flooring can spark mold growth weeks later.
Mold thrives in dark, damp, and poorly ventilated areas, often starting after water leaks, flooding, or humidity issues. Once it begins, mold releases microscopic spores that spread through the air, attaching to walls, ceilings, and furniture — making it difficult to fully remove without professional remediation.
Mold is more than an eyesore — it’s a health hazard. Exposure can cause: Allergic reactions and chronic coughing Sinus infections and skin irritation Asthma attacks or respiratory issues In severe cases, long-term neurological or immune system effects Children, seniors, and those with breathing conditions are especially vulnerable.
Over time, mold breaks down drywall, wood framing, and insulation, weakening the very structure of your home. It can rot flooring and beams, creating expensive safety hazards if not treated quickly.
Mold produces a musty, unpleasant odor that seeps into fabrics, furniture, and air ducts. Even after cleaning, spores can remain in HVAC systems and continue spreading — keeping your indoor air unsafe and unhealthy.
Insurance companies often classify mold damage as a “maintenance issue” or deny coverage if they claim it resulted from “neglect.” In reality, mold is usually a secondary result of covered water or storm damage, and a skilled public adjuster can help you prove that connection and recover full benefits.
Insurance adjusters often perform brief inspections focused only on visible damage. They may overlook hidden structural issues, moisture behind walls, or long-term effects that develop after the initial event.
It’s common for insurers to reclassify losses to reduce coverage.Water damage might be labeled “maintenance-related.” Mold may be called “secondary damage.” Storm damage might be blamed on “wear and tear.” These redefinitions help them minimize or deny payouts.
Even when claims are approved, initial settlement checks are often far below the true repair cost. Insurers expect homeowners to accept the first offer without question — leaving many properties only partially restored.
Insurance companies may request repeated paperwork, send multiple adjusters, or drag out the process — hoping you’ll give up or settle for less.
Many policyholders are told their claim is “not covered” or their file is closed after a partial payment. What most homeowners don’t realize is that many of these claims can be reopened if new evidence or professional documentation is provided by a licensed public adjuster.
He checks the entire structure, from roof to foundation.
Photos, reports, and cost estimates that reflect the full scope of damage.
He handles the back-and-forth with the insurer, pushing for what you’re owed.
He fights for the maximum payout to restore your home properly, not just patch it up.
“Mold damage doesn’t come from the mold itself — it comes from water that wasn’t handled properly. Jerry Kotler’s job is to identify the source, document the cause, and make sure your insurance covers full remediation and repairs..”
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