Claim consulting
Water Damage & Mold Claims
Water and mold claims, scoped to the IICRC standard and the policy's actual coverage.
Water claims hinge on cause of loss and mitigation scope; mold claims hinge on protocol and coverage limits. Both are routinely under-scoped or denied on technicalities. We review cause, mitigation, and remediation against industry standards and rebuild the scope where the file falls short.
Common signs the file needs a second look
- Sudden-and-accidental loss reclassified as long-term seepage without support
- Mitigation scope (drying, equipment, antimicrobial) cut below S500 standards
- Mold coverage limit applied without proper category/condition determination
- Affected materials limited to visible damage, ignoring moisture mapping
- Reconstruction scope missing matching, flooring transitions, or code
How we work the file
- Step 1
Cause & coverage review
Source, duration, and policy language reconciled to a defensible cause-of-loss and coverage position.
- Step 2
Mitigation & remediation audit
Drying logs, equipment, and microbial protocol reviewed against IICRC S500/S520 and the actual site conditions.
- Step 3
Reconstruction scope
Full repair scope built or supplemented — matching, flooring, drywall, and code captured.
Services typically engaged on these files
Same workflow, billed under the relevant service line.
- Cause of Loss & Causation Consulting$350/hr
Independent cause-of-loss and causation analysis for disputed claims — site evidence, manufacturer guidelines, and weather/event data tied to a defensible written opinion.
- Denied or Underpaid Claim Review$300/hr
Focused review of a denied, partially denied, or underpaid claim — coverage analysis, scope and valuation gaps, and a written roadmap for re-opening, supplementing, or escalating the file.
- Estimate & Scope Review$250/hr
Detailed review of carrier estimates and scope of repair to identify missed line items, pricing discrepancies, and documentation gaps.
- Policy Consultation$300/hr
Coverage analysis and policy interpretation to clarify obligations, exclusions, endorsements, and how the policy applies to a specific loss.
FAQ
- Do you handle mold testing?
- No — we coordinate with licensed industrial hygienists. We consult on how the testing and protocol map to the claim and the policy.
- Can you help if the claim was denied as long-term?
- Yes — cause-of-loss reanalysis is one of our core engagements. See Cause of Loss & Causation Consulting.
Ready to have the file reviewed?
Book a consultation or contact us with the details of your loss.