Free 10-Point Mold Diagnosis! Only Takes a Minute!
Call Us to Start Protecting Your Home Today!


(410) 935-0874

Certified Mold Remediator - CMR # 14450
Certified Residential Mold Inspector - CRMI # 14494
Certified Commercial Mold Inspector - CCMI # 17938
Licensed Home Improvement Contractor - MHIC # 129958

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Reasons Why Your Insurance Claim Might Be Denied

When you have mold or water damage in your home, you count on your insurance policy to help you cover the cost of repairs. Unfortunately, claims are sometimes denied, which can leave you in a difficult position. What are some of the reasons that a home insurance adjuster in Baltimore, MD might deny your claim? Here are some of the most common reasons that insurance claims are denied and what to do if it happens to you. mold - home

Your repair costs are less than your deductible.

Your home insurance deductible is the amount of money you are expected to pay for repairs before your insurance covers any of the costs. If your mold or water damage repairs cost less than your deductible, your insurance will not pay on your claim at all. Because deductibles are standard parts of insurance policies, you can’t entirely avoid this situation. You can, however, mitigate the risk by having a policy with a deductible that is as low as possible, so you have to come up with a lower lump sum when you need to make an insurance claim.

The damage to your home is not covered by your policy.

A common mistake homeowners make is believing that their insurance policy covers them for every kind of damage that can happen to their homes. If you have a basic or broad policy, also called HO1/DP1 and HO2/DP2 policies, you do not have full coverage. Check your policy to see what kind of damage—often referred to as perils—are specifically addressed. If water damage, for example, is not a covered peril, then your claim will be denied. It is best to purchase a special insurance policy, also called HO3/DP3, which covers all perils.

Your insurance company finds you liable for the damage.

If your home insurance adjuster finds that your actions contributed to or caused the damage that needs to be repaired, he or she will likely deny your claim. Stay up to date on home maintenance, never hire contractors who don’t have their own insurance, and provide your insurance adjuster with all of the information he or she requests about your case to avoid having your claim denied.
The Mold Dr. - Mold Remediation and Construction Services, Inc.
Mold Remediation in Baltimore
Located at P.O. Box 34338, Balitmore, MD 21221.
Phone: (410) 935-0874.
Website: http://www.themolddr.com.

Free 10-Point Mold Diagnosis! Only Takes a Minute!
Call Us to Start Protecting Your Home Today!


(410) 935-0874

Certified Mold Remediator - CMR # 14450
Certified Residential Mold Inspector - CRMI # 14494
Certified Commercial Mold Inspector - CCMI # 17938
Licensed Home Improvement Contractor - MHIC # 129958

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