Insurance Agents And Adjusters
Minimize Your Exposure To Loss From Mold Damage...Have The Problems Removed Quickly, Safely And Completely!
When it comes to insuring homes, the lower the risks associated with the property, the less likely a claim will occur. Unfortunately when it comes to mold damage, losses can mount quickly and wreak havoc on your loss ratio. So, how can you assess the possibility of mold problems prior to insuring the property, especially when mold is often unseen until extensive damage has already occurred?
Start at the beginning. Obviously you need to know the current condition of the home, but it's equally important to get the history of the home as well. Has it had a mold problem or remediation in the past? If so, how do you know if the mold problem is really gone or whether it might return?
Now You Can Insure Properties Without Worrying About Potential Mold Claims!
That's where Next Generation, the Mold Remediation Specialists, make the difference. Every home or building we treat receives a written warranty, ensuring the mold problem will be removed safely and completely. No other mold remediation company can offer this level of protection. More important for insurance carriers, this warranty can be extended for the lifetime of the property providing certain conditions are maintained. This means the property is protected from future and recurring mold growth.
Beyond that, properties with our lifetime warranty receive annual inspections, and any violation of the warranty is immediately reported. However, prior to conducting annual inspections, the insured will need to have agreed in writing to allow the reporting. For insurance companies, this means increased protection for covered properties and assets AND fewer mold damage claims.
We Can Also Remove And Protect Properties With Existing Mold Damage?
Even if you insure properties with existing mold damage, getting the right Mold Remediation Company to remove the problem – safely and completely - can save money and guarantee a lasting value to the property. At Next Generation, we make it easy for adjusters and agents to coordinate needed services. Due to our National affiliate network, we can take care of your individual jobs or step in to handle catastrophic mold claims and minimize secondary damage.
In addition, Next Generation responds quickly, handles mold problems discreetly, and provides written documentation and detailed communication for you and the policyholder throughout the process. This means you will be aware of every development as it occurs.
Direct Benefits To Insurance Professionals When Hiring Next Generation
Risk Reduction: Mold Losses have quickly become a major problem and hot-button issue for the insurance industry; therefore, we can significantly lower your risk and exposure to loss by proactively treating or removing mold problems and offering a written warranty. Taking these measures will significantly mitigate potential future losses while offering your policyholders piece of mind. In addition, Next Generation's proactive measures help to minimize or in some cases eliminate any future mold concerns. Our proprietary chemical treatments stop mold and bacteria from reproducing and ensures that property and health concerns are greatly reduced.
Quick Response: As an Insurance company or professional, we understand that "time is of the essence" really means "time is costing us money and compromising our loss ratio" therefore, our response to any mold or bacterial issue is always handled with a sense of urgency. At Next Generation, we make certain to go above and beyond anything our competitors will do to remove your mold problem safely and completely.
Partnership: We have a saying at Next Generation, "we don't kill the deal…we HELP seal the deal!" If the properties you insure and the policyholders you protect have a mold problem, it's vital we remove the mold immediately. With us, you will have a national partner that wants to remove mold from each property as soon as humanly possible.
In addition, we offer service across the country with the EXACT same methods of inspection, remediation, and follow-up. We also use an established pricing system so our rates don't vary from state to state. This national service allows us to easily handle large-scale projects, such as nationwide retail stores and apartment complexes. And Next Generation is always available for your emergency needs. So no matter where your policyholder is located, you know Next Generation is providing the same high-quality service.
Cost Savings: Because Next Generation is a National mold remediation company, we are able to negotiate cost efficiencies and economies of scale to help control costs. Yet, we have the most highly trained affiliate network, use state of the art technology and chemistry and utilize processes and techniques that our competitors simply don't have. The result, we provide the best service at a competitive price!
More importantly, the cost of treatment far out weighs the risk associated with a future mold liability lawsuit.
Mold Specialists: Many contractors will say they offer "cleaning services" or "restoration services" including mold removal. At Next Generation, "mold" is not an add-on to our business, it is our ONLY business. The complete removal of mold problems is our specialty and our affiliates are trained to handle any problem effectively, safely and completely.
Today's Energy Efficient Homes Can Create Indoor Air And Mold Problems
With today's stricter building codes that call for more energy efficient homes, our houses are sealed up tight. When it comes to heating and cooling bills that's a plus, unfortunately, when it comes to the air we breathe it means we're often inhaling stale 'locked-in' air. Add a moisture problem like a broken pipe or a leaky water heater and you've got the perfect breeding ground for a serious mold problem.
Unfortunately, mold and mold related problems have been in the news a lot lately. As a result, mold has become a high-priority issue for homeowners and insurance carriers. You may have heard the horror stories about mold making people sick, destroying homes and the resulting lawsuits. Believe it or not, some companies use these stories as "scare tactics" to get homeowners and insurance carriers to buy their mold prevention and remediation services. Well, you don't need scare tactics. What you need are the facts – real information about mold and the products that will prevent potential problems safely and effectively.
So let's start at the beginning. Look through our "Mold 101" questions to get the basic facts you need to know.
|What is the history of mold?
|What exactly is mold?
|Are all molds toxic?
|What are the most common types of mold?
Most people think mold only grows in dark, dirty, damp basements, but the truth is mold can grow almost anywhere – even in the cleanest homes. Check out the Common Places For Mold in a typical home.
While a musty smell and visible mold are obvious signs that there's a problem – some mold is actually not visible. So to be sure the properties you insure are in good standing, it's a good idea for your policyholders to have an annual mold inspection performed.
The Five Most Dangerous Words You Could Hear From A Policyholder: "I've Got A Mold Problem!"
The first obstacle to getting a mold inspection is hiring the right company. For example, you need to make sure the company uses only certified employees or affiliates and has the specific expertise to handle your situation. Help your policyholders select the right company for the job - learn the 5 things you need to know before hiring anyone!
So what exactly should someone expect in a mold inspection? The process includes but is not necessarily limited to gathering information, performing a building moisture inspection, and developing a preliminary determination of whether or not there is a moisture problem that has resulted in mold growth. All of the information compiled is then put into a series of reports.
Rely On A Specialist Who Will Get Red Of The Mold Problems Forever – That's A Promise!
If it turns out that your policyholder has a mold problem, you need to get the area treated immediately. You also want to make sure you're working with a company that will remove the mold safely and completely. With thousands of satisfied mold remediation customers and not a single case of the mold returning, Next Generation can truly claim to be the mold remediation specialists.
Why should this matter to you? Unfortunately, many companies consider their job done when they've removed all visible signs of mold and they offer no promise or protection if mold returns. Next Generation is different. Our goal is to take the fright and frustration out of mold remediation through customer education, a job done right, and the only full warranty in the industry.
Before You Let A Company Begin Any Mold Remediation Work – You Need To Know What They SHOULD Be Doing.
The Institute of Inspection, Cleaning and Restoration Certification, or IICRC, has created a standard process for Certified Mold Remediation contractors to follow when removing mold from a property. Here are five important steps to ensure your policyholder's property is taken care of the right way.
- Initial Inspection and Determination
- Prepping the home for Remediation
- The actual Remediation process
- Follow-up Evaluation & Verification
- Clean up
Every Next Generation affiliate strictly adheres to this standard. For complete details on what's involved with each step, check out Next Generation's Standard Process.
There are a few more things you and your policyholders should know prior to moving ahead with the mold remediation process:
Who Are The individuals That Will Actually Perform The Work?
One of the most important questions to ask when interviewing a Mold Remediation Company is about their employees – are they well trained and certified? At Next Generation, every affiliate is trained, certified and receives continuing education. However, you should also understand who performs the inspection and verification steps in the Mold Remediation process:
Certified Mold Remediator
Usually called a CMR, this person handles the initial inspection and analyzes the gathered information. After the physical removal of the mold, the CMR does another inspection to evaluate the status of the property and ensure all removal is complete.
Indoor Environmental Professional
The IEP is sometimes called in after the initial inspection if further assessment of the property is needed before actual remediation can begin. They return AFTER the CMR has done the post-remediation evaluation to perform a verification, which is a signed form stating the remediation was successful and is complete.
What Chemicals And Equipment Will Be Used?
There are a lot of different chemicals and processes used to remove mold. Over the years, Next Generation has developed products so successful and safe that we back them up with a written warranty. But how do Next Generation's products stack up against everything else that's out there?
From Negative Air Machines to HEPA vacuums, there are specific pieces of equipment used in the Mold Remediation process. For more information on what it takes to actually remove mold from a property, check out our Mold Remediation Equipment breakdown.
What Kind Of Costs Can You Expect?
Both the initial inspection and the remediation will cost you money. However, due to the chance of finding "unseen" mold, you may not know the final cost until the mold remediation project has been completed. Be aware of companies that provide you a quote based ONLY on the mold they see – you may be surprised when you get your final bill!
At Next Generation, this won't be a problem becuase our philosophy is to ensure there are no hidden costs for our customers.
Now that you know the truth about mold, you can confidently contact, interview, and hire the right Mold Remediation Company. To contact a Next Generation Specialist in your area, contact us today.