MOLD REMEDIATION INSURANCE DOCUMENTATION

QCI, Inc.’s mold professionals collect high quality digital photos and thermal images throughout the remediation process. Infrared thermal imaging is important during remediation if a water or moisture source responsible for the mold growth has not been determined. The photos below show a shower in a duplex with heavy water damage and mold growth. The double layer of wallboard was saturated and crumbled while tiles fell right off as soon as the mold removal began. Thermal imaging cameras determined that the source of the leak was the adjoining neighbor’s shower. Cracks in the grout of the neighbor’s shower were detected in the area of the water damage and repaired. Without detecting the source of the water damage, the mold problem would likely have occurred again. Insurance companies are happy to have the source of the water damage accurately identified and remedied so they are less likely to have a claim filed for similar damages in the same area.

Air sampling and surface sampling test results, if taken prior to remediation, provide the best documentation of the types of mold present and their concentrations. For more information on documenting that a mold problem exists for insurance purposes see Documenting a Mold Problem.

QCI’s licensed mold remediators will take photos prior to remediation to show any signs of mold growth or water damage. During remediation, when walls or ceilings are removed, photos will document the extent of the mold damage and provide a record of which areas needed to be removed and the reason they were removed based on visual examination. Insurance companies may not pay for replacement of some home items, like cabinets, if remediation photographs do not document visible mold growth. The insurance company and adjuster did not want to replace the kitchen cabinets in the photo below.

All photos, work authorizations, invoices, and other documents will be provided to customers after job completion. Clearance testing should be performed to show that remediation has been successful in affected areas and that cross-contamination of unaffected areas has not occurred. For more information see Clearance Testing.