Found Mold in Your Home?
Your Insurance May Cover More Than You Think
Mold damage connected to a covered water event is an insurable loss. Bellmore documents the causal link, builds a complete claim, and fights for the full remediation and repair cost your policy allows. No upfront cost.
✓ Licensed and bonded. View
✓ Mold from leaks, plumbing, fire, and more
✓ Hidden moisture and mold damage
✓ No upfront cost — we only get paid if we win
✓ Free claim review and inspection
Licensed & Bonded • No Upfront Fee • ★★★★★ Google Reviews •
Licensed & Bonded • No Upfront Fee •
★★★★★ Google Reviews •
What Your Insurance Doesn't See Can Cost You the Most.
Hidden damage is where most claims get underpaid.
Behind Walls
Under Floors
Inside Cabinets
In Insulation
Molding & Ceilings
Attics & Crawl Spaces
What Most Property Owners Learn Too Late
Mold Coverage Depends On Proving the Cause
Insurance companies deny mold claims by calling the damage gradual or pre-existing. The key to a successful claim is connecting the mold to a specific covers water event – and documenting that connection thoroughly.
A Denial Is Not The Same As An Exclusio
Many mold claim denials misapply policy exclusion language. The insurer's interpretation of your policy is not always correct – and not always final.
Deadlines Apply — But So Do Your Rights
Insurance policies have strict claim filing and supplemental deadlines. Missing them can limit your options. Acting quickly with proper representation protects them.
You Do Not Have to Navigate This Alone
A licensed Bellmore adjuster reviews your policy, thoroughly documents the damage, and handles every conversation with the insurer – at no upfront cost to you.
Average Payout Increase of
747%!
Average Payout Increase of
747%!
Who's Really Representing You?
One adjuster works for the insurance company. The other works for you.
Insurance Adjuster
✗ Limited time on site
✗ Inspects visible damage
✗ Mold may be noted – not tested
✗ Report reflects insurance's interest
✓ Thorough inspection
✓ Documents hidden damage
✓ Mold risk and remediation scope
✓ Report based on full restoration
Bellmore Adjuster
What We Do For You
From the first inspection to the final settlement — we handle everything while you focus on recovery.
Our expert adjusters inspect your property, take photos, measurements, and document every detail of the loss to ensure all of your property damage is accounted for.
We file your claim or submit all supplemental documentation if you already filed. Our licensed adjusters ensure every element of your loss is documented before a single negotiation begins.
We coordinate every insurance inspection, communicate directly with your insurer, and keep you informed at every step.
You don't have to deal with the insurance company at all — that's our job. We'll save you time, money, and stress.
We prepare a comprehensive estimate based on the full scope of work needed to get your property back to pre-loss conditions.
Leveraging the estimate, we negotiate directly with the insurance company to recover the maximum settlement your policy allows.
We negotiate with the insurance company on your behalf
Average Payout Increase of
747%
Mold begins growing within 24 to 48 hours of moisture exposure. By the time it is visible, the underlying cause has often been present for weeks. Insurance companies use this timeline against policyholders — arguing the damage was gradual and therefore not covered. That argument is disputable with the right documentation.
Bellmore inspects for moisture intrusion, identifies the source event, and connects your mold damage to the covered peril that caused it. We document remediation scope, reconstruction requirements, and any contents affected by mold exposure.
If your mold claim has been denied or you have been told mold is excluded from your policy, contact us before accepting that answer. Policy language on mold varies significantly and the denial may not be final.
Water Damage Claims Are Complex — Insurance Companies Count on You Not Knowing That
Real Claims. Real Recoveries.
Refrigerator Supply Line
Residential Water Leak
Cause of Loss
-
Supply line leaked leaving 1/4" of water in the kitchen
Insurance Company Decision
-
Claim Denied
Result
-
Opened coverage, $2,500 deductible absorbed
$24,000+
Storm Surge Flood
Condo Association - 38 units
Cause of Loss
-
1.5' of interior flooding across six buildings
Scope of Damage
-
Cabinetry, flooring, drywall, appliances, exterior components
$4.85 Million
Toilet Supply Line
Residential Water Line Break
Cause of Loss
-
Water line break, partial flood, and advanced mold bloom
Claim Details
-
Home was uninhabitable
-
Recovered mitigation, remediation, restoration, and living expenses
$83,000
What Happens After You Reach Out?
From initial review to claim resolution, we guide you through every step of the process.
Free Claim Review
STEP 1
Tell use what happened and your claim status. We'll review your policy and claim.
01
Property Inspection
STEP 2
We evaluate the damage and identify areas that may require further attention.
02
Document Damage
STEP 3
We compile information needed to properly present your loss.
03
Claim Representation
STEP 4
We manage communication and negotiations throughout the process.
04
Resolution
STEP 5
We work toward a fair outcome so you can focus on moving forward.
05
Free Claim Review
STEP 1
Tell use what happened and your claim status. We'll review your policy and claim.
01
Property Inspection
STEP 2
We evaluate the damage and identify areas that may require further attention.
02
Document Damage
STEP 3
We compile information needed to properly present your loss.
03
Claim Representation
STEP 4
We manage communication and negotiations throughout the process.
04
Resolution
STEP 5
We work toward a fair outcome so you can focus on moving forward.
05
Not Sure Which Route to Take?
Most policyholders have three options.
Here is what each one actually means for your claim.
Handle the Claim Yourself
You manage the entire process.
✓ No representation required
✗ Manage the claim yourself
✗ Document visible and hidden damage
✗ Track claim deadlines
✗ Increased time and stress
Hire an Attorney
For claims that reach litigation, not before.
✓ Legal representation
✗ Higher fees – typically 33%
✗ Not trained to assess damage
✗ Longer resolution times
✗ May involve litigation
Hire Bellmore Public Adjusting
Property claims are why we exist.
✓ Licensed for property damage claims
✓ Fully assess the damage
✓ Manage the entire claims process
✓ Handle the negotiations
✓ No fees unless you get paid
What Our Clients Say
"From start to finish, they were incredibly accommodating and made the entire process easy and stress-free. They handled everything professionally and efficiently, and we always felt like we were in good hands."
— Daisy B., Lake Worth
"Our homeowner's insurance didn't cover the damage. Bellmore was persistent and obtained the pool company's insurance policy. The insurance company sent our claim to their attorney — Bellmore negotiated a settlement to get exactly what we needed. Truly a professional service, excellent communication, and a great outcome."
— Mehrshad Y., Maitland
"After the 2024 hurricanes, I was overwhelmed with the damage and unsure of where to begin. What could have been a stressful and confusing time was made manageable and smooth. Financially I was able to get all my needs met."
— Cheyenne O., Riverview
Frequently Asked Questions
A. It depends on the cause. Mold resulting from a sudden, covered water event — such as a burst pipe or storm intrusion — is generally covered. Mold from long-term neglect or gradual leaks is typically excluded. The critical factor is establishing what caused the moisture. That is exactly what Bellmore documents.
A. Not necessarily. Exclusion language varies by policy and the insurer's interpretation is not always correct. Bellmore reviews your policy and the denial language to determine whether the exclusion was properly applied. Contact us before accepting any denial.
A. Do not allow any remediation work to begin until Bellmore has completed a full inspection. Once mold is removed, the evidence of its cause and extent is gone. Call us first — we respond quickly and document everything before any work begins.
A. A successful mold claim requires documentation of the moisture source, the timeline of exposure, the extent of growth, and the remediation scope required. Bellmore handles all of this — we know what makes a mold claim hold up through the negotiation process.
A. Yes. Hidden mold discovered during renovation or repair work is a common scenario. Contact us immediately — we can assess whether the mold connects to a covered event and advise on next steps before the renovation proceeds further.
Ready to talk? Call (844) 943-MORE
Mold Damage Will Not Wait. Neither Should You.
Free inspection · No upfront cost · Licensed & bonded · New, underpaid, and denied claims
Or call us directly: (844) 943-6673
We will inspect your property, take photos, and measurements, and document every detail to ensure everything is accounted for.
We will file your claim for you or submit all supplemental documentation if you already filed.
