Mold Damage Claims
Mold is a health hazard and a coverage minefield.
Mold thrives wherever water has gone unaddressed, and many policies cap or limit mold coverage — but only when it isn't tied to a covered water loss. The key is proving the mold resulted from a sudden, covered event.
Cordo Claims Group ties mold back to its covered source, coordinates testing and remediation protocols, and fights caps and exclusions the carrier tries to apply.
Mold claims we handle
- Mold from covered water losses
- Post-leak & post-storm growth
- Air-quality & testing coordination
- Remediation & containment scope
- Coverage-cap & exclusion disputes
- Health-related displacement costs
Why work with a public adjuster
Insurance companies staff their claims with experienced adjusters, engineers and attorneys — all working to limit what they pay. A public adjuster is the only licensed professional who represents you instead. We interpret your policy, document the full scope of loss, and negotiate on your behalf so nothing is left on the table.
Our process
Free inspection & policy review
We assess the damage and review your coverage at no cost or obligation.
Detailed documentation
We build a defensible, line-item estimate capturing every element of your loss.
Negotiation & appraisal
We handle all insurer communication and push for a fair, complete settlement.
Recovery
You collect what you're owed — and we're paid only from that recovery.
Frequently asked questions
My policy has a mold cap. Am I limited to that amount?
Not necessarily. When mold results directly from a covered water loss, much of the remediation may be payable under the water claim itself rather than the mold sub-limit. How the claim is framed and documented determines which bucket the damage lands in.
Should I remove the mold before the claim is documented?
Health comes first — but uncontrolled cleanup can destroy the evidence your claim depends on. Photograph everything, get air and surface testing, and follow a written remediation protocol so causation and scope survive the cleanup.
What does it cost?
Nothing up front. We work on a contingency basis — we don't get paid unless you do. Your free evaluation carries no cost or obligation.
My claim was already denied or underpaid. Can you still help?
Yes. A large share of the claims we take on were previously denied or underpaid. We frequently reopen and re-document these claims to recover what was owed.