How To File Mold Insurance Claims in Texas?

You can file a mold claim the same way you file a regular homeowners insurance claim, with a few slight adjustments. To improve your chances of a successful claim, you need to take every step possible to prevent mold from forming. 

That way the claims adjuster can see that you’ve acted responsibly to mitigate the damage, even if unavoidable mold begins to form. You can consult a toxic mold attorney near me to understand your insurance policy and look for openings that should allow for coverage.

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Before filing a claim:

  • Dry all affected areas as quickly and thoroughly as possible

  • Stop leaking pipes by shutting off the water to your house

  • Remove soaked items such as carpeting, furniture, insulation and mattresses

  • Open doors and windows and use fans to promote faster drying

  • Clean all affected areas with detergent to prevent bacteria spread

  • Cover damaged areas such as a hole in the roof or a broken window

  • Take photos of all damage, including closeups and wide shots

  • Contact your insurance agent to file a claim

If your policy doesn’t exclude mold damage for covered losses, it’s best to separate the mold repair expenses from other repair costs.

For example, if storm damage soaks the drywall in your bedroom and mold forms, the contractor likely will charge you a mold remediation fee. 

List the mold remediation fee separately from the drywall removal costs. By separating the expenses, you can minimize the risk of a claim denial if the insurer doesn’t want to pay for mold remediation.