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Burst Pipes & Mold Damage: What You Need to Know

Burst pipes can be one of the most frustrating and costly types of property damage. Not only do they cause water damage, they can also create ideal conditions for mold growth if not addressed quickly. Mold is a costly problem on its own, but may also present hidden costs which your insurance provider may not cover in your claim. In this blog post we will explore how burst pipes can lead to mold damage and what you need to know as a commercial property owner in order to ensure that you are adequately covered in case of an emergency flood situation due to bursting pipes.

What Causes Mold Damage in Property Following a Burst Pipe Flood

A burst pipe flood can lead to a myriad of problems for property owners, with one of the most concerning issues being mold damage. When water gushes out of a burst pipe, it seeps into the building structure, materials, and belongings, creating an environment where mold thrives. Mold growth is facilitated by undisturbed, damp, and humid conditions, which is why the aftermath of a burst pipe often serves as a breeding ground for mold infestation. The porous and absorbent materials, such as wood, drywall, and carpets, are especially vulnerable to mold damage.

How to Determine the Extent of the Damage

In order to determine the extent of mold damage in a property after a burst pipe flood, it is essential to assess the scope of water damage as soon as possible. All affected materials must be thoroughly inspected and any items that have been soaked or are damp should be removed. In addition, high humidity levels should be monitored in order to detect mold.

Does Your Commercial Property Insurance Cover Mold Damage?

When it comes to insuring your commercial property, one of the most important questions to consider is whether your policy covers mold damage. Mold infestation can cause extensive damage to your building, pose health risks to employees and result in financial losses. The answer to this question may vary depending on your specific insurance policy, as some policies may offer full or partial coverage for mold damage, while others might exclude it altogether. It is crucial to thoroughly examine your policy and, if necessary, consult with an experienced public adjuster to get a clear understanding of what type of mold coverage you have in place.

How a Public Adjuster Can Help

In the aftermath of a disaster, property owners may find themselves overwhelmed by the process of filing an insurance claim for their damaged property. Enter the public adjuster, a qualified advocate who steps in to guide these individuals through the complexities of the insurance claim process. Serving as intermediaries between the policyholder and the insurance company, public adjusters are experts in assessing property damage and loss, ascertaining accurate repair or replacement costs, and offering valuable advice backed by their thorough knowledge of insurance policies. What sets them apart is their unwavering commitment to protect the policyholder’s interests, ensuring that they receive a fair settlement, and expediting the claim resolution process. By enlisting the expertise of a public adjuster, property owners can alleviate some stress during a trying time and potentially secure a more substantial payout to facilitate the repair or rebuilding of their treasured property.

Have questions about your property insurance claim? Feel free to contact Stark Loss for more information about how a Public Adjuster can help.

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