What to and what not to say, when you have to talk to your insurance company about an insurance loss or claim what you are calling in and they are asking you an assortment of questions. Keep in mind, the insurance is trained to asking specific questions.
Often times they do this because they’ll find you stating something you wish you should have not. We’re not asking you to lie or deceive the insurance company, but when you really don’t know the answer, it’s ok to say, you don’t know the answer.
It’s also ok for them to speak someone representing you; which in this case could be a professional, like our Long Beach mold remediation and water damage restoration company and fire and smoke damage restoration company.
Ultimately, what you say and what you don’y say to the insurance company is very important. We always tell our clients, less is more. So the less you say, the more beneficial it is to you when it comes to insurance.
Giving them misinformation or the wrong information is not beneficial to you, such as the word MOLD. When they ask you, do you have mold and you say yes, it often turns the insurance claim into a mold claim, instead of a water damage restoration claim.
The benefit of a water damage restoration claim, if it’s covered and accidental, because everything other than that, typically is not covered; is that you have coverage for a larger sum of money.
Mold is limited to $5,000. This is usually good enough to deal with small residential jobs in homes. Mold is a consequence of water.
Water damage has $30,000, $50,000, $150,000 + in coverage. You’re much better off doing your kitchen remodel with $30,000 +, as compared to $5,000 of you mention you have mold.
Mold that is pre-existing should not be covered by the insurance company, but most of the time, you don’t have to have that conversation. You’re best off not mentioning old at all and just deal with the water damage restoration claim instead.