by the consultant;
the consultant’s staff; and
Once the consultant is hired, his or her
investigation will result in a report detailing whether there is a mold infestation,
the source of the mold issue, and recommendations for remediation.
The completed investigation will then
provide the claims person with sufficient
facts so that he or she can compare the
findings from the thorough investigation
to the wording of the policy to determine
if the damages caused by the mold, if any,
are covered by the policy so the loss can
be adjusted quickly and efficiently.
If covered, the claim will be paid
promptly. If not, the claims person should
consult with competent coverage counsel
and seek assistance in communicating
with the insured about the results of the
investigation and advising the insured
why the claim has been denied with cita-
tions to the policy wording and applicable
law. The insured should also be provided
with a copy of the expert’s report in order
to protect the property from further loss.
The file should be thoroughly document-
ed in case the insured decides to emulate
Ms. Ballard and sue.
Barry Zalma, Esq., CFE, has practiced law in
California for more than 42 years and now
serves as an insurance consultant and expert
witness specializing in insurance coverage,
insurance claims handling, insurance bad
faith and insurance fraud. Books in the Zalma
Insurance Claims Library, can be found at
-William “Bubba” Ryan, CEO
RYTECH- The Industry Leader in
Water Mitigation & Mold Remediation.
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That Will Never Change.
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Industry Partners love us for
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the service we provide to their satisfied customers.
• Centralized Administration/ Call Center.
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production staff on every job.
• Controlling Severity, from Rapid Response
& Restoration to Cost Containment.
• RYTRAC In-Field Mobile
Communications – Provides
real-time overview to specific claims.