Professional Mold Remediation
Home InSight recommends professional mold remediation by a Certified Mold Remediator to avoid further contamination of the house as part of the initial mold inspection when mold testing or the visual assessment warrants it.
The major reason professional mold remediation is recommended is to transfer liability to a company who willingly accepts it. Professional mold remediation companies take full responsibility for the results.
The willingness to accept that responsibility comes at a huge cost to the consumer. Mold remediation companies have to carry expensive insurance policies, train their staff, follow OSHA guidelines, satisfy insurance companies, and have everything available--just in case you have a mold problem! The list goes on. Just understand professional mold remediation is not cheap.
Another reason for professional mold remediation is convenience. They know how to do it and get it done quickly. The know how to get rid of mold so you can live in your house again as quickly as possible.
As much as you'd like to believe you are the customer in a mold remediation project, your really aren't. The insurance company is, whether you're able to file an insurance claim or not!
Think about it. If you were the insurance company and had to pay big for mistakes, don't you think you'd do everything in your power to dictate to the mold remediation company what they will and won't do? The mold remediation companies respond by adjusting their prices accordingly. Only you get to pay the bill on behalf of the insurance company!
Will your insurance company pay for professional mold remediation? Maybe!
The response to this question used to be, "Absolutely Not!"
Chronic Conditions. If the conditions causing the mold condition are chronic, don't expect any help from your insurance company at all.
A benefit of working with a mold remediation company is they speak the language of the insurance companies: the statements in your policy. Ask them what the likelihood of getting reimbursed by your insurance company is before approaching your agency. They've worked with all of them, so they probably know what will and won't be covered.
Acute Conditions. Recently, if the mold is a result of a sudden event, such as a water heater exploding, you may get help!
Prices and performance on mold remediation jobs is all over the place. Get several bids and discuss them all with someone you trust.
Priced to Win. Be aware of any bids priced to win. Too many jobs are undertaken where the remediator starts work and then "finds" conditions are way worse than expected, and the price sky rockets.
Independence. Be aware of any company who does the mold inspection, mold remediation, and mold clearance. There are reputable companies who have the integrity to do this in your best interest. Many don't. Ronald Reagan said it best, "Trust, but verify"!
Guarantees. I've been fortunate to work with companies who commit to keep working on the project with not additional cost to you until it clears. They don't pay for each clearance test, but they stick with it until they're done.
Mold Clearance. Mold clearance testing often doesn't pass on the first try, but it does more often than not. Get an agreement up front of how failed mold clearance test are paid for.
Mold Remediation Protocol. The mold remediator should be able to tell you what they're going to do and why! How else can they provide you with a quote? Get them to explain it to you! This will prevent surprises later, such as who's going to put the building back together.
When you're trying to get rid of mold in your house, your not negotiating from a position of strength. You have to trust somebody, and everyone knows it. It's too easy to play on your fears for financial gain. Understand there are many reputable companies who are on your side, but how do you tell the difference? Pay attention to aggressive sales practices for clues!
The last thing you want to be doing during the mold remediation process is second-guessing your decisions. You need to act quickly, but don't act so quickly that caution is thrown to the wind. We will help you evaluate your proposals because we have no financial interest in the outcome. We won't take any responsibility for the decision you make, but it's better than not talking to anyone at all. That's a benefit of working with a third-party mold inspector.