Secondary damage, like mold growth, that develops as a direct result of another type of damage that is covered in your home insurance policy, should typically also be covered. However, insurers may engage in bad faith tactics in an attempt to avoid paying property owners what they rightfully deserve. If your insurance carrier is acting unfairly regarding your mold issues, it’s time to get help from an insurance and toxic mold lawyer.
Mold infestations can be incredibly dangerous and costly to repair, often making homes uninhabitable due to the risk of toxic mold exposure. Mold spores can spread through the air and get into your lungs, leading to adverse health effects. While your home insurance generally won’t assist with any medical costs associated with toxic mold cases, you may be able to make a toxic mold claim for property damage and repair costs.
Water damage caused by storms, hurricanes, tornadoes, and burst pipes can lead to extensive toxic mold issues, with home damage mold lawsuits sometimes being the only way to get the coverage you need for the cost of repairs and full mold remediation. If you need to file a lawsuit for a mold problem, you need a bad faith insurance law firm.
You should consider hiring a property damage attorney if your insurer has acted in bad faith in any way. This might include wrongfully denying claims for toxic mold growth remediation or failing to provide a good reason for denial. Unreasonable delays and refusal to engage in an investigation may also be bad faith tactics. Insurance adjusters also sometimes intentionally mislead property owners about the details of their policy in an attempt to reduce what they owe.
It’s important to get experienced legal representation because insurers can afford high-powered legal teams that will move quickly to fight your claim for fair compensation. The insurer’s lawyers can employ a range of legal arguments to reduce or eliminate your coverage, but a capable attorney can stand by your side and represent the truth in your case. Pursuing compensation for mold-invested and water-damaged buildings can be difficult, but an insurance lawyer has the expertise needed to navigate the legal system and reach a favorable outcome.
Here at Millin & Millin Attorneys, our lawyers have more than fifty years of combined experience helping homeowners get coverage when insurers act up. From lost personal items to property repairs, we’ll work tirelessly to get you whatever compensation you may deserve from your insurance company.
Prolonged exposure to toxic molds, such as black mold, can cause symptoms ranging from minor irritation to serious health concerns such as sinus infections. If left untreated, those with compromised immune systems may face catastrophic injury. Because mold damage may be covered by your home insurance policy, you may be wondering if you can make a claim related to your health problems caused by toxic mold exposure. In general, home insurance does not cover health issues. Instead, this type of harm and suffering is typically covered by health insurance. If your health insurance company is attempting to avoid paying for treatment for your toxic mold exposure, reach out to our team of health insurance attorneys to learn about your legal options.
The easiest way to understand your mold damage coverage is that mold is generally covered when it is directly caused by another type of disaster that is included in your policy. Many different types of disasters can lead to mold growth: even a fire may result in mold growth if damage to the building allows water in. The strength of your mold lawsuit depends on whether or not the cause of that mold was covered by your policy. One important type of water damage that is not typically covered by standard home insurance is flood damage, which is usually only covered through a separate policy.
If you need help figuring out whether or not your mold infestation should be covered by your insurance policy, don’t hesitate to get help from a capable Texas insurance lawyer. Here at Millin & Millin Attorneys, our lawyers are ready to help you determine liability for your mold damage, gather essential evidence, and build a strong case on your behalf.
