Who pays for a public adjuster?

Technically, the policy holder pays the public adjuster, but most public adjusters charge a percentage of the final settlement. This means it is in the public adjuster’s best interest to get the policy holder the largest settlement possible. Though it might seem counterintuitive to pay a third-party when you are trying to maximize your compensation, the chances you will be treated fairly are increased when working with a public adjuster.

Who pays for a public adjuster?

Technically, the policy holder pays the public adjuster, but most public adjusters charge a percentage of the final settlement. This means it is in the public adjuster’s best interest to get the policy holder the largest settlement possible. Though it might seem counterintuitive to pay a third-party when you are trying to maximize your compensation, the chances you will be treated fairly are increased when working with a public adjuster.

Why do I need a public adjuster?

Insurance companies have adjusters working on their behalf and you deserve the same. A public adjuster interprets your insurance policy to determine what coverage you are entitled to and provides an analysis of the losses. Essentially, they are ensuring that you are treated fairly by the insurance company and that you get what you deserve. They might also have access to resources that can help you better support claim.

Why do I need help in filing an insurance claim?

It is possible to file your insurance claim on your own, but it is not advisable. This is because the average policyholder does not have the resources or experience that insurance company representatives have. As a policyholder, you deserve to have someone in your corner protecting your rights and ensuring you receive the compensation to which you are entitled. And because insurance policies are often complex and ambiguous, it helps to have someone with knowledge to help you sort through the details.

Will you help me receive a more prompt and satisfactory settlement?

Public adjusters do everything they can to ensure that policyholders receive a fair settlement as quickly as possible. Working with a public adjuster might extend the period of time it takes to ultimately settle your claim because of negotiations, but it will shorten the period of time it would take to negotiate a fair settlement on your own. Insurance companies want to settle for as little as possible as fast as possible and this results in cheating policyholders. Public adjusters protect against this.

What type of claims do you handle?

We are able to assist you in with claims related to a variety of different types of damage to your property, including fire and smoke, water damage from flooding or plumbing issues, sinkhole damage, and damage from weather or wind. If any type of manmade or natural disaster has caused damage to your property, it is a good idea to speak to a public adjuster so they can determine if your policy covers the damage.

My insurance claim is underway and I received an offer from my insurance company but I’m worried that the settlement amount is too low. Is it too late to hire a public adjuster?

No, it is not too late. As a matter of fact, you should have someone review the offer to make sure it is fair. If it is your first offer from the insurance company, chances are it is much lower than what you deserve and a public adjuster can help you determine a fair amount you should be seeking. A public adjuster can also help you negotiate the claim settlement and quickly settle the claim for the maximum amount.

Will I get a higher settlement if I hire a public adjuster?

Possibly. It is in the best interest of the public adjuster to get you as large of a settlement as possible because they receive their payment as a percentage of your settlement. Though working with a public adjuster does not guarantee a higher settlement, it increases the odds of getting one and ensures that the settlement you ultimately receive will be fair and based on the compensation you are entitled to as a result of your policy.

What is the difference between a Public Adjuster and the insurance company’s adjuster?

The primary difference is that a public adjuster is your advocate while an insurance company’s adjuster is working for the insurance company. Though it might seem as if the insurance company’s adjuster is in your corner, they are not. He or she is an employee of the insurance company and will do everything possible to protect the insurance company’s bottom line. A public adjuster is there to ensure you are treated fairly and that you receive the compensation you are entitled to.

Will I lose my coverage if I hire a Public Adjuster?

No. Hiring a public adjuster is perfectly legal and a perfectly normal thing to do. Insurance companies know that policyholders are entitled to working with their own adjuster, but it is not something they are going to encourage. However, they are not able to punish you by dropping coverage or increasing your rates if you choose to work with a public adjuster, even if they would prefer you not do so.

What to Do After Discovering Mold in Floorboards - LMR Public Insurance Adjusters

So, you’ve just pulled up a corner of your flooring and—bam!—there it is. That dreaded, musty-smelling, fuzzy invader: mold. It’s not just gross; it can be dangerous to your health and damaging to your home. But don’t panic. In this guide, we’ll walk you through everything you need to know about what to do after discovering mold in floorboards. From identifying the problem to filing an insurance claim, we’ve got your back.

And if you’re in South Florida, you’re in luck. LMR Public Adjusters—South Florida’s premier public adjusters—are here to help you maximize your insurance claim with a personalized, dedicated team. Let’s dive in!

Outline

Identifying Mold in Floorboards
Health Risks and Structural Damage
Steps to Remove Mold from Floorboards
Filing an Insurance Claim for Mold Damage
Preventing Future Mold Growth

Identifying Mold in Floorboards

First things first—how do you even know it’s mold? Mold can be sneaky. It hides under floorboards, behind walls, and in damp corners. But there are a few telltale signs:

Musty Odor: That earthy, damp smell is a classic giveaway.
Discoloration: Black, green, or white patches on wood or under flooring.
Warped Floorboards: Moisture from mold can cause wood to swell or buckle.

If you’re unsure, it’s best to bring in a professional for mold testing. You can also check out our mold damage page for more insights.

Once you’ve confirmed it’s mold, don’t wait. Mold spreads fast, especially in humid climates like South Florida. And if you’re in areas like Fort Lauderdale or Hollywood, the moisture levels can make things worse.

Health Risks and Structural Damage

Mold isn’t just an eyesore—it’s a health hazard. Breathing in mold spores can lead to respiratory issues, especially for people with asthma, allergies, or weakened immune systems. Symptoms can include:

Coughing and sneezing
Watery eyes
Skin irritation
Fatigue and headaches

But it doesn’t stop there. Mold can also compromise the structural integrity of your home. Floorboards can rot, weaken, and even collapse if the mold is left untreated. That’s why it’s crucial to act fast.

Need help figuring out how much damage has been done? Our team at LMR Public Adjusters can assess the situation and help you understand your options. Whether it’s a property claim or a home damage issue, we’ve got the expertise to guide you.

Steps to Remove Mold from Floorboards

Alright, let’s talk cleanup. Removing mold from floorboards isn’t a DIY job for the faint of heart. Here’s a step-by-step breakdown:

Protect Yourself: Wear gloves, goggles, and an N95 mask. Mold spores are no joke.
Isolate the Area: Seal off the affected room to prevent spores from spreading.
Remove Affected Materials: This may include floorboards, underlayment, and even drywall.
Clean and Disinfect: Use a mold-killing solution like bleach or a commercial mold remover.
Dry the Area Thoroughly: Use fans and dehumidifiers to eliminate moisture.
Replace Flooring: Once everything is dry and clean, install new materials.

Sound overwhelming? That’s because it is. Mold remediation is best left to professionals. And if you’re dealing with water damage or plumbing issues that caused the mold, you’ll want to address those too.

Don’t forget to document everything. Photos, videos, and receipts will be crucial when filing your insurance claim.

Filing an Insurance Claim for Mold Damage

Here’s where things get tricky. Not all insurance policies cover mold damage. Some only cover it if it’s caused by a “covered peril” like a burst pipe or storm damage. That’s why it’s essential to read the fine print—or better yet, let the pros handle it.

LMR Public Adjusters specializes in helping property owners in South Florida get the most out of their insurance claims. Our team will:

Review your policy
Document the damage
Negotiate with your insurance company
Maximize your payout

We’ve helped clients in Pembroke Pines, Plantation, and Parkland get the compensation they deserve. Check out our Google reviews to see what others are saying.

Still have questions? Visit our FAQ page or browse our blog for more helpful tips.

Preventing Future Mold Growth

Once you’ve dealt with the mold, the last thing you want is for it to come back. Here’s how to keep your home mold-free:

Control Humidity: Use dehumidifiers and air conditioners to keep moisture levels below 60%.
Fix Leaks Promptly: Whether it’s a burst pipe or a leaky roof, address it immediately.
Improve Ventilation: Use exhaust fans in bathrooms and kitchens to reduce moisture.
Inspect Regularly: Check under sinks, around windows, and beneath flooring for signs of mold.

If you live in a high-risk area like Miramar or Hallandale Beach, it’s even more important to stay vigilant. Mold loves warm, damp environments, and South Florida is basically its dream vacation spot.

Need help with ongoing issues? Reach out to LMR Public Adjusters for a consultation. We’re here to help you protect your property and your peace of mind.

Conclusion

Discovering mold in your floorboards can feel like a nightmare—but it doesn’t have to be. With the right steps and the right team, you can tackle the problem head-on and come out stronger on the other side. From identifying the mold to filing an insurance claim and preventing future outbreaks, you now have a roadmap to follow.

And remember, if you’re in South Florida, LMR Public Adjusters is your go-to ally. We’re not just adjusters—we’re advocates. Let us help you get the compensation you deserve and restore your home to its former glory.

Frequently Asked Questions

What causes mold to grow under floorboards?

Mold typically grows under floorboards due to excess moisture. This can come from leaks, flooding, high humidity, or poor ventilation. Once moisture gets trapped, it creates the perfect breeding ground for mold spores to thrive.

Is mold under floorboards dangerous?

Yes, mold can pose serious health risks, especially for individuals with allergies or respiratory issues. It can also weaken the structural integrity of your floorboards, leading to costly repairs if not addressed promptly.

Can I remove mold from floorboards myself?

While small patches might be manageable with proper safety gear and cleaning agents, extensive mold infestations should be handled by professionals. Improper removal can spread spores and worsen the problem.

Does homeowners insurance cover mold damage?

It depends on your policy. Some insurance plans cover mold damage if it results from a covered peril like a burst pipe. It’s best to consult with a public adjuster like LMR Public Adjusters to understand your coverage and maximize your claim.

How can I prevent mold from returning?

Keep your home dry and well-ventilated. Use dehumidifiers, fix leaks promptly, and inspect high-risk areas regularly. Prevention is key to keeping mold at bay.

Testimonials

Extremely knowledgeable and professional firm. The employees are fast, efficient and a joy to work with. We would not have been able to rebuild our home after Hurricane Sally without them. Highly recommend their services.

- Jennifer Medeiros

LMR is the best! Thorough, efficient and quite effective, in every way. Guy Hendel is our hero for the profession of public adjuster.

- Ronald Brauner

LMR Public adjusters did an amazing job for us, we're very pleased and impressed with their professionalism and prompt execution of our insurance claim.Special shout-out to Leor, our adjuster; very knowledgeable, diligent, organized. kept us informed each step of the way, he's a pleasure to work with. Most important; he gets results!! Thank you again

- Roy Shriki

Very efficient and easy to work with. Responsive and all around had a great experience with our claim. Highly recommend, as they are experts in the business!

- Narmar Hanna

What to Do After Discovering Mold in Floorboards