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Mold Damage Insurance Claims
Mold from a leak, and the insurer will only pay to dry it out? Call us before you accept that.
Our licensed public adjusters handle claims for homes and businesses.
Stuart Hymson
Public Adjuster
Michael Zebold
Public Adjuster
Micaela Villa
Public Adjuster
Alex Barquero
Public Adjuster
Arthur Camayd
Public Adjuster
Tony Azcue
Public Adjuster
Frank Nunez
Public Adjuster
Does homeowners insurance cover mold?
Often, when the mold came from a covered water leak: a burst pipe, a failed water heater, an AC line that let go or a roof opened by a storm. Most policies don’t cover mold from long-term humidity, slow leaks or neglect, and insurers often pay for the water damage while denying the mold.
So the real question is what caused it. Our licensed public adjusters trace the mold to its source and claim the water damage and the mold together, as one loss. The first review is free.
Sound familiar?
- They paid for the leak, not the mold.
- They said the mold came from humidity.
- They called it a maintenance problem.
- They said the leak was too slow.
- They'll dry it out, not tear it out.
The answer often depends on the leak. Call us before you accept theirs.
What the insurance company says about mold
Mold claims depend on the water that caused them. Here’s how we answer the insurer.
“Mold isn't covered.”
Many policies do cover mold that results from a covered water loss, even when they exclude mold on its own. We tie the mold to the leak that caused it and claim them together.
“It's from humidity or poor upkeep.”
That’s their first answer, not the final one. We find the source, document how and when the water got in, and show what a sudden leak did.
“We'll pay to dry it out, not to remove it.”
Mold in drywall, insulation, cabinets and flooring usually has to come out, not just dry out. We document how far it spread, so the claim covers the tear-out and the rebuild.
“You should have caught the leak sooner.”
Leaks behind walls and under floors stay hidden until the damage shows. We show where the water was and why it stayed out of sight.
Fighting for the policyholder
Blueprint Claims has settled over half a billion dollars in commercial and residential claims with 15 years in business. Don’t settle for less, get the money you deserve. Fight for your claim!
Private Equity Firm
Apartment complex
Riverview, FL Homeowner
Insurance offered $9,203
Venice, FL Homeowner
Insurance offered $6,339
Property Management
Condominium community
Mold from a leak is a water claim
The strongest mold claims start as water claims. When a pipe bursts, a water heater fails or a storm opens the roof, the water damage is usually covered, and mold that grows from that water often is too. Read more about water damage claims.
That’s why we look at the leak first: where it came from, when it failed and how far the water went. Then we document the mold as part of the same loss, and recommend testing by a licensed mold company when the claim needs it.
Find the source
One loss, not two
Testing when it’s needed
What a mold claim can cover
When the mold is part of a covered loss, the claim can include testing, removal, tearing out and replacing drywall, insulation, cabinets and flooring, the belongings it ruined, and living expenses if the home can’t be lived in during the work.
Insurers often scope only a cleaning. We document the full job before anyone starts, so the claim matches what the work really takes.
Removal
Rebuild
Belongings
The contractor's edge
Arthur Camayd, partner, is a licensed public adjuster with the SPPA designation, a licensed general contractor, and holds a degree in architecture.
We know how buildings are designed, how they are built, and how to spot the damage most people miss. On complex claims like fires with structural damage or hidden issues, that construction insight and policy knowledge lets us build a stronger claim and challenge a low offer with real authority.
Licensed general contractor
Degree in architecture
SPPA public adjuster
We don’t just estimate. We advocate.
How we handle your claim
Four steps, from the first call to the settlement check.
Free claim consultation
Tell us about your claim. We’re here to help.
Free property inspection
Leaving no stone unturned, we focus on the details.
We estimate & appraise
Don’t worry about having to gather various repair bids on your own.
We negotiate & settle
We don’t get paid unless you get paid.
What to know about a mold claim
Waiting to see what the insurance company does is how good claims run out of time.
The mold and the leak are one claim
Insurers often pay the water damage and deny the mold. Have us tie the two together before you accept their answer.
A denial isn't the last word
Insurance companies often deny claims as wear and tear, old damage or not covered. That letter is their side of the story, not the final word. The right proof can change it, but the window to act is short. Call us before you take no for an answer.
Bleach erases the proof
Stop the water, but don’t scrub, paint over or tear out the mold before it’s documented. Once it’s gone, it’s your word against the insurance company’s. Call us first, and we’ll document it the right way.
Don’t wait to see what they do. Call today and let a licensed public adjuster review your options while you still have them. Your policy review is free.
Other claims we handle
General information, not legal advice.
Why hire your own public adjuster?
Every claim already has an adjuster. The insurance company’s adjuster works for the insurance company. A public adjuster works for you.
A guide through the entire claim process.
Help you understand your rights under the policy.
Navigating through policy endorsements and exclusions.
Document your damages in detail.
Estimating & valuing the TRUE cost of your loss.
Collaboration with experts to support your claim.
Negotiating & settling your claim.
Working with contractors to get you back to pre-loss condition.
Hiring your own adjuster pays for itself.
Meet the adjusters
“Our adjusters know how buildings are built, how policies are written, and how to get a claim to the finish line.”
Michael Zebold, SPPA
Firm Partner
Michael Zebold
Senior Public Adjuster
Arthur Camayd
Senior Public Adjuster
Tony Azcue
Public Adjuster
Frank Nunez
Senior Public Adjuster
See what our clients are saying
“Impeccable work and very effective, from first inspection review to the last step”
Margarita Gomez
“Blueprint Claims did an excellent job. They are the ultimate professionals. After my initial meeting with Alex, he took care of everything.”
D K
“Frank worked for us, not the insurance company, and kept us informed along the way, which was also very helpful.”
Tom Maides
“Frank Nunez was extremely helpful in getting my claim overturned from a complete denial to a fully paid for roof.”
Ben Justice
Questions about mold damage claims
Answers to the questions homeowners ask us most about mold.
Does insurance cover mold removal?
Often, when the mold came from a covered leak. Removal usually means tearing out and replacing affected drywall, insulation, cabinets or flooring, not just cleaning. We document how far it spread so the claim covers the full job. Call us for a free review.
Does the insurer pay for mold testing?
Often, when the mold is part of a covered claim. Testing shows where the mold is and how far it spread, which supports the claim for removal. Call us before you pay for testing yourself.
My family got sick from the mold. Can you help?
We handle the property side: getting the mold removed and the home repaired through your insurance claim. We don't handle health or injury claims. See a doctor about the symptoms, and call us about the claim.
Is it worth hiring a public adjuster for a mold claim?
Yes, when the mold came from a leak. Insurers often pay the leak and deny the mold, and the tear-out and removal add up fast. What caused the mold is the fight, and we document the source. The first review is free, so call us.
How much does a public adjuster charge?
You pay nothing upfront, and if we don't recover money, you owe us nothing. Our fee is a percentage of what we recover for you, set in writing before you sign, and never more than your state's law allows. Call, and we'll walk you through how it works on your claim.
Should I call my insurance company or a public adjuster first?
Call us before you call them. What you say on that first call can hurt your claim, and most policyholders don't know which words give the insurance company a reason to pay less or deny. We'll help you report it the right way, so call as soon as you find the damage.
My insurer already paid, but not enough. Is it too late to hire you?
You can hire us before you file, in the middle of a claim, or after the insurer pays too little. Many of the nearly 7,000 claims we've handled started just like yours. Don't sit on a low check, though: the deadlines to ask for more keep running. Call us now, while you still have time.
Call and a licensed adjuster will go over your claim with you. The review is free.
Connect with one of our licensed adjusters for a free claim consultation
What happens after you send this
A licensed adjuster contacts you We talk through your claim and answer your questions. The consultation is free.
We review your policy and inspect the damage Also free, with no obligation to hire us.
You decide whether to hire us If you do, we build the claim and negotiate with the insurer.
Let's discuss your claim!
We don’t get paid unless you get paid.
