It happens regularly. A client suspects their home (or office) is contaminated with mold, so the client hires me to investigate. We perform an investigation and discover dangerous levels of mold. Therefore we hire an indoor air quality expert to assemble a mold remediation plan. After additional investigations, we identify and locate the person responsible for causing the mold growth. The next step is to demand that the responsible party fixes the mold problems. Unfortunately, the responsible party has no money, so they make a claim on their insurance policy. Here is where the major problem arises: the insurance company claims that the insurance policy does not cover claims for damages caused by mold. Is the client out of luck?
Not necessarily. Frequently insurance companies interpret their policies very restrictively, allowing them to exclude coverage for damages that a careful reading of the policy demonstrates are actually covered. Moreover, many insurance policies are poorly drafted so that it is not clear whether coverage exists for toxic mold cases. In that event, North Carolina courts interpret ambiguous insurance policies in favor of coverage.
If an insurance company says that your mold claim is not covered, please call me. I have helped many families and businesses with this issue. It is frequently possible to fight the insurance company and find coverage for your mold claim.
If you find yourself in this circumstance, I would be happy to meet with you. There is no charge for the first meeting.