Often — if it’s sudden and accidental.
Examples like burst pipes, drain failures, or appliance leaks are commonly covered. Long-term leaks, neglect, or wear-and-tear usually aren’t. Coverage depends on your policy language, not opinions — and we help you read it clearly.

No. Mold caused by a covered water loss may be covered even if mold itself is limited. The key question is what caused the moisture, not whether mold is present.

Immediately. Mold can begin developing in 24–48 hours. The longer moisture remains, the worse the damage — and the harder insurance is to work with later.

Water removal, drying, moisture mapping, material removal if needed, and documentation. It’s not just fans — it’s controlled structure drying designed to stop secondary damage.

• Drying: 3–5 days (typical)

• Mold remediation: 1–5 days (depends on size)

• Rebuild: Depends on scope and materials

We give timelines upfront and update you as conditions change.

Yes — your policy is a reimbursement contract, not a maintenance agreement.
Insurance may pay you back, but you hired the contractor. We help you file and support the claim, but the contract remains with you.

Always. You are never required to use the insurance company’s “preferred” vendor. That list serves their cost goals, not necessarily your home.

It happens. We document moisture, damage, and industry standards so decisions stay based on facts, not opinions. Final coverage decisions are theirs — but data always beats denial language.

No. Not all mold is toxic. But any indoor growth means moisture is present, which is a real building problem whether the mold is “black” or green.

Choose companies that:

• Explain instead of scare

• Measure instead of guess

• Put timelines and scope in writing

• Encourage second opinions

• Educate, not pressure

A good contractor never hides behind urgency.