Mold Damage Insurance Tips

We have worked with many Insurance companies, Contractors, Public Adjusters, and Management companies, and we will use our expertise to guide you through the claims process. If you are not insured for Water Damage, Mold Removal, Sewage Extraction, Fire Damage or Flood Clean-Up services, or have been denied coverage by your Insurance provider, we can offer you competitive pricing.

We are licensed by the State of Maryland as a General Contracting firm, and a long-standing member of the Better Business Bureau and the American Conference of Governmental Industrial Hygienists. We carry $1,000,000 dollars in liability insurance. Our employees are IICRC certified and protected by worker’s compensation insurance. From the moment of our arrival, Mid-Maryland Cleaning & Restoration will carefully document all damages to your home, business and personal property to ensure accurate compensation for your loss. Mid-Maryland Cleaning & Restoration will create a detailed assessment, or Invoice, using the same Exactimate software accepted industry-wide by adjusters and carriers. The result, your claim is precisely represented so you can get your home or business back to it’s pre-loss condition as soon as possible.

Mold Claims Information

1. If you have secured adequate coverage, you are entitled to be paid for the fair cost of fully restoring your home to its pre-loss condition. However, you are not insured for the repairs of unrelated problems, code deficiencies, or prior damage.

2. You are entitled to employ and should insist on a fully licensed and insured repair firm of good reputation. However, if you do not choose to employ such a firm, the consequences and liability for any injury, damage, or other action may rest with you.

3. Repair rates should correspond to the prevailing standards in your area for work of good quality.

4. You are entitled to receive payment from the insurance company within the time specified by the policy and your state insurance regulations, which are designed to prevent insurance companies from using delay and personal hardship to compel a lower settlement. However, the policy also has time requirements for the policyholder, within which you must prepare and submit your claim. Ask your adjuster or agent about these at the outset, so that you can be in compliance.

5. Since you are the policyholder, only you can demand that your insurance company live up to its obligations under the policy. As Professional Restoration Contractors, we recommend that you do so, out of a strong conviction that fair dealing, good workmanship, and ethical business practices benefit the insurance industry just as they benefit the public at large.

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MHIC: 91914