Expenses which are related solely to the existence of mold are the only expense which would not be covered in the course of repair of a covered water damage claim. Mold that is present upon water damaged materials will be removed in the course of repairing the covered water loss. USAA has represented to the Department that even though its Homeowners policy and Condominium Unit Owners policy excludes loss caused by or consisting of mold, mold is necessarily removed or treated in the process of repairing damage resulting from a covered water loss. “USAA has indicated how it intends to adjust a covered water claim if mold is present on the damaged covered property. Lorinda said that at least one insurer promised to cover water damage despite the time limitation if the loss was hidden, and she sent me the following Texas Department of Insurance Order which stated: Hidden water damage is common because leaks and ruptures often occur under floors or behind walls, where policyholders do not notice. A recent post, Avoiding Denials of Water Damage Claims Based on “Long Term Damage Exclusions” also discussed the issue.įollowing my presentation, Lorinda Mikesell, the Vice President of the Texas Association of Public Adjusters, asked whether such time frames are effective when water damage is hidden. One issue I discussed was the time limits of water damage. I spoke about water damage loss at the National Association of Public Insurance Adjusters Annual Convention last week.
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