Water/Mold

Whether mold develops due to climate, flooding, or another property condition - a licensed public adjuster can help you evaluate your options on filing the proper claim with your insurance company in order to receive a fair settlement amount.

When contacting Midwest Public Adjusters, you can expect to discuss these questions and issues:

• How did the water damage occur?

• Is this damage covered by your policy?

• Did the damage occur during the period your policy was in effect?

• Are you reporting the water damage promptly (within 24 hours) to allow quick drying and repairs?

An adjuster will schedule an appointment with you as soon as possible, review your policy with you and begin assessing your mold damage. We will do a careful evaluation of your home or office and test the premises of mold. Our knowledgeable adjuster will take photographs, videotape, and inventory of all damaged property to provide the insurance company with as much thorough evidence of loss as possible.

Once mold has been detected our adjuster will recommend several contractors who have certification and training in water damage restoration and mold remediation to clean up the water damage and make repairs as needed to your home or office. We will make sure that the contractor is following the best possible procedures to look after your concerns. A thorough and fast cleanup will help avoid mold growth. If you wait too long and mold growth starts, cleanup costs will increase significantly.

Most molds do not harm healthy people. But people who have allergies or asthma may be more sensitive to molds. Sensitive people may experience skin rash, running nose, eye irritation, cough and nasal congestion, aggravation of asthma or difficulty breathing. People with an immune suppression or underlying lung disease, may be at increased risk for infections from molds.

A small number of molds produce toxins called mycotoxins. When people are exposed to high levels of mold mycotoxins they may suffer toxic effects in people, including fatigue, nausea, headaches, and irritation to the lungs and eyes. If you or your family members have health problems that you suspect are caused by exposure to mold, you should consult with your physician.

Call Midwest Public Adjusters today to come and do a mold inspection if you feel any of the above symptoms. Remember, time is of the essence.