Mold & Environmental Claims

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Protecting Your Health and Your Property
In Florida’s humid climate, mold can begin to grow within 24 to 48 hours of a water leak. Because mold is often "hidden" behind baseboards or under flooring, insurance companies frequently try to limit payouts by citing "lack of maintenance."

• Expert Testing: We work with licensed mold assessors to document spore counts and identify the exact species of mold present.

• Remediation Advocacy: Mold removal is expensive and requires strict containment protocols. We fight to ensure your settlement covers professional remediation, not just a "bleach and wipe" fix.

• Policy Limitations: Many Florida policies have a $10,000 "Mold Cap." We review your policy to see if the mold resulted from a covered water peril, which may allow us to access higher coverage limits.

 

  

 

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What are Spores: 

Spores are seeds carrying and protecting the materials which will produce fungi. They can lie dormant until moisture is detected to support growth. 

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​​​What are Hyphae:

They are fungi’s (mycelia) growing their roots and branches. They are thread like structures that are visible through a microscope.

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​​​​What are Mycotoxins:

They are chemicals produced (toxigenic fungi) by molds which is toxic if inhaled, ingested or in contact with the skin of humans. These chemicals can affect the immune and nervous systems, liver, kidneys and blood.

 

The involvement of a public adjuster from Azeem and Associates, LLC will save the homeowner time when dealing with the Insurance Company. Azeem and Associates, LLC can recommend a Water Remediation Company, that can remove the damaged structure in a safe and orderly matter. The area needs to be quarantined to reduce the spread of the mold spores to adjacent rooms. Most insurance policies have a limit on Mold damages but the policyholders are not aware of such limitations. We work closely with all vendors which can include attorneys, general contractors and engineers to resolve these claims.

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• Office: 49 N. Federal Hwy, Suite 153, Pompano Beach, FL 33062

• Phone: 954-880-0355 | 305-949-6014

• Email: Azeemandassociates@Gmail.com

• Credentials: Licensed Public Adjuster #W461972 | Anthony Azeem #A305728