Mold? Your Insurance May Cover More Than You Think
What gets documented matters.
What you recover matters more.
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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.
Leak or Flood. Big or Small. Water Damage Can Become An Expensive Claim
Insurance adjusters document what they see. The damage that isn't visible is where most claims get underpaid.
✓ Water stains
✓ Wet flooring
✓ Peeling paint
✓ Warped cabinets
✓ Visible mold
✗ Moisture behind walls
✗ Saturated insulation
✗ Subfloor damage
✗ Hidden mold
✗ Structural deterioration
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
✗ Works for the insurance's interest
Bellmore Adjuster
✓ Thorough inspection
✓ Documents hidden damage
✓ Mold risk and remediation scope
✓ Works for you
Insurance Adjuster
✗ Limited time on site
✗ Inspects visible damage
✗ Mold may be noted – not tested
✗ Report reflects insurance's interest
Bellmore Adjuster
✓ Thorough inspection
✓ Documents hidden damage
✓ Mold risk and remediation scope
✓ Report based on full restoration
What Most Property Owners Learn Too Late
Hidden Moisture Is Commonly Missed
Water damage behind walls, under flooring, and inside structural cavities is rarely captured in a fast insurance inspection. What gets missed is your problem – unless it gets documented first.
The First Offer Is Not the Final Number
An initial settlement reflects what the insurance documented – not necessarily everything your policy covers. You have the right to dispute it.
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.
What We Do For You
From the first inspection to the final settlement — we handle everything while you focus on recovery.
Inspect & File
✓ Inspect the property
✓ Document the damage
✓ Prepare and file the claim
Manage the Claims Process
✓ Review your policy
✓ Coordinate inspections
✓ Communicate with the insurer
Negotiate & Settle
✓ Prepare a detailed estimate
✓ Negotiate the scope and cost
✓ Settle the claim fairly
✓ Inspect the property
✓ Document the damage
✓ Prepare and file the claim
Inspect & File
✓ Review your policy
✓ Coordinate inspections
✓ Communicate with the insurer
Manage the Claims Process
✓ Prepare a detailed estimate
✓ Negotiate the scope and cost
✓ Settle the claim fairly
Negotiate & Settle
We negotiate with the insurance company on your behalf
Water damage claims involve three separate problems: the visible damage you can see, the hidden damage inside your walls, floors, and structural materials, and the continuous materials that need to reasonably match to bring your property back to pre-loss conditions. Standard insurance adjuster inspections focus on the visible damage. What is behind the drywall is often left out.
Mold is the most expensive consequence. Once mold is present, remediation costs can dwarf the original water damage claim. Bellmore documents moisture intrusion before it becomes mold — or documents mold damage that the insurer is trying to exclude.
Whether your damage came from a burst pipe, an appliance leak, a shower pan failure, or flooding, Bellmore knows how to build a thorough, well-documented claim that holds up through the negotiation process.
Water Damage Claims Are Complex — Insurance Companies Count on You Not Knowing That
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.
What We Do For You
Frequently Asked Questions
A. Filing a claim is your right as a policyholder. Whether your premium changes depends on your insurer and policy — not on hiring a public adjuster. Bellmore has no bearing on your premium at all.
A. Call us immediately. Even with work underway, Bellmore can document ongoing damage, review what was already found, and build a supplemental claim for anything that was missed in the initial assessment.
A. In many cases you can still dispute the settlement if additional damage surfaces or the original scope was incomplete. Time limits apply — contact us for a free review before assuming the claim is closed.
A. You can hire a public adjuster at any stage. We review what was filed, identify what was missed, and submit supplemental documentation. Many of our clients come to us after the first offer.
A. Nothing upfront. Bellmore works on a contingency fee a percentage of what we recover for you, regulated by the state. We have a fiduciary obligation to policyholders – your best interest is ours. If we do not recover more, you owe nothing.