Free Mold Inspections & Consultation
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The purpose of a mold assessment is to determine the sources, locations, and extent of mold growth in a building and to determine the condition(s) that caused the mold growth
North American Public Adjusters & Claims Consultants
We care about your environment and Indoor air quality
As public adjuster's we advocate for you, we are your voice to the insurance company. As your personal representative we prepare your claim to be filed, Investigate that claim and negotiate on your behalf.
Other public adjuster's Hire experts to investigate on their behalf, incurring large expenses on the way that many clients end up having deducted from their final settlements.
At NAPAICC we are the experts, we in house our expertise. Jay Mareus is not only a Licensed Adjuster, but Jay holds a Florida mold assessors license as well. Jay is an expert in mold testing, cause and origin, and has remediated 100's of Florida homes.
Florida water claims are extremely complicated . Most Florida policies have specific exclusions or limitations on mold. Determining what type of mold exists can determine how long it took to grow, which can greatly effect the outcome of any claim.
Mold Assessment & Remediation Protocol
A Little Information about MOLD
Molds are microscopic organisms that are found virtually everywhere both indoor and outdoor. Molds are tiny, lightweight and easily detached by airflow, vacuuming, walking or by opening and closing exterior doors. They produce and release millions of spores, which are small, airborne and often a threat to the human respiratory system. Some molds release spores into the air when they are active or moist while others release mold spores when they are dry and or disturbed. Some molds may release mold spores into the air under both conditions.
The presence of certain mold and mold spores can result in mild to severe health effects in humans and in some instances, can deteriorate the building material in the dwelling often resulting in structural damage. Due to the potential for rapid growth (24-48 hours in some cases) of mold like substances, the Inspector, Inspection Company or Mold Remediator, cannot be held responsible for changes occurring after testing / Inspection is performed. Typically, when a specific area or entire structure undergoes mold remediation or remodeling, additional mold problems may surface that were not noted in this report or were not readily visible at time of inspection. Any work undertaken on the property may reveal additional mold or mold like substances which should be tested for toxicity.
Mold requires water, food, and oxygen to grow
Florida Policy Exclusion on water.
Item A.2.c.(5) is deleted and replaced by the following:
(1) Constant or repeated seepage or leakage of water or steam or the presence or condensation of humidity, moisture or vapor that occurs over a period of 14 or more days, whether hidden or not. In the event this exclusion applies, we will not pay for any damages sustained starting from the first day the constant or repeated seepage or leakage of water or steam or the presence or condensation of humidity, moisture or vapor began;