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“Oh no, we have had a flood, roof leak, window leak, pipe burst, etc., and now I think that we might have mold. Who should we call? Ghost Busters? Superman? My clergyman? My insurance company? I hope that we’re covered for this.”

Handling a water-intrusion claim when the clients are convinced that their residence or office has toxic mold growth (heaven help us) can be an insurance adjuster’s worst nightmare. Mishandling a water-intrusion claim can make the adjuster’s job seem like the eighth circle of hell, increasing costs to the insurer for unnecessary remediation and consultants, leading to bad faith claims, and creating difficulties for all involved.

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