Download Here - James L. Schaller, M.D., M.A.R., P.C

Environmentally Friendly Mold Remediation Techniques That Significantly Reduce Childhood AsthmaThe AdjusterBelow we list a typical set of guidelines that an independent adjusteruses in a mold loss investigation. Please note that the typical adjusterneither has any training nor certifications in water damage or mold.In addition, their insurance policy which covers them on errors andomission that may happen in the course of their work does notinclude coverage for errors in mold claims.The Investigation by the AdjusterSite Inspection• Determine the cause of loss• Quantify scope of mold damage and water damage.• Photograph all damage.• Identify prior water damage or long term water problems (thatcould cause the claim to be excluded.)• Immediate notification to supervisor of claimed health issues andextent of mold growth.Coverage• Determine if mold was caused by covered peril• Identify if long term and if during policy period.• Identify exclusions• Identify any extended coverage and limitations of same.• Was mold growth due to failure to mitigate by insured?• Was mold growth due to improper water extraction work?• Was claim reported promptly?Damage Assessment• Mold remediation scope (protocol) is best handled by Hygienistor Certified Mold Assessor• General discussion of New York City and EPA Guidelines101