Knowing your rights may be the difference between a claim paid and a claim denial.

What do you do when you know your property has been damaged but the insurance company adjuster "just doesn't see it"?

Mold generally grows when materials in your home in Lauderdale by the Sea come in contact with water. Mold is covered under most homeowner and commercial policies with specific payment limits, usually $10,000.

Mold can be dangerous and should be addressed as soon as possible. Continued exposure to mold can cause your symptoms and/or reaction to become worse. Mold may be visible or hidden.

If the mold is visible Capital Public Adjusting will help you choose a firm that can write a protocol for removal to present to the insurance company. If you suspect or smell mold Capital Public Adjusting will provide a mold testing company that can detect where, what type and how much mold is in your home. Even though mold coverage has limits, the damage repair protocol often overlaps with the water damage repair protocol that caused the mold. Water damage payments are only restricted by your policy limits. Once the mold remediation is complete a clearance test can be done to prove that your home is clear of mold.

Don't live with mold. Call Capital Public Adjusting to help rid your house of mold.

You may find the following links helpful and related to your claim.

• For information on claims involving plumbing or water damage, please visit Plumbing, Water Damage Insurance Claims in Lauderdale by the Sea.
• If flooding is involved, please see Flood Insurance Claims in Lauderdale by the Sea.
• And for claims involving the HO8 Policy, please visit Beware the H08 Policy.