For Mold Assessors
You handle the mold. I handle the policy.
I’m Robert Mack — licensed Florida public adjuster, Lic. #A161638, Montverde, FL 34756. In the insurance industry since 1991. I work Lake, Orange, Sumter, and Polk.
Your work ends where mine begins. You determine the condition and write the protocol; that’s done and it’s yours. What happens after is a money question — and unless the customer pays out of pocket, that money comes from a policy. Getting the policy to pay what it owes is what I do.
The handoff
You know the moment: the protocol’s written, the remediation number lands, and the customer stalls on cost. That’s not yours to solve — you’re not in the insurance business and shouldn’t have to be.
But a lot of those jobs have a policy behind them the customer never thinks to use. Send them to me. I’ll tell them straight whether there’s coverage, and if there isn’t, I’ll say so. It costs them nothing either way: I’m paid out of what’s recovered, and if nothing’s recovered, nothing is owed.
Your report doesn’t change and your name doesn’t go on my work. I just take the money question off your customer so it stops being friction on you.
Where the money turns on my side
You already know the gap between what you can document and what a carrier will actually pay for. A few places it’s won or lost after the protocol leaves your hands:
The policy tests your findings against its own trigger. You’ve established the condition and its source. Coverage turns on how that source reads to the carrier — sudden and accidental, or gradual. Same facts you documented, a different test, and it decides whether a dollar moves.
Mold sits under a sublimit; the water loss behind it usually doesn’t. How the loss is characterized sets the ceiling before anyone argues a number.
Tear-out and access are separate money from the remediation, and routinely left unclaimed — as is the line between emergency mitigation and permanent repair, which the policy tracks apart.
None of that is your job. It’s mine. I’m laying it out so you know the other side of the wall has rules, and someone who works them for a living.
The trade
When a customer stalls on cost — send them to me. I find out whether the policy covers it.
When I’ve got a claim that needs an assessment — it comes to you.
You’re part of my portfolio, I’m part of yours. Neither of us is asking the other for a favor.
Related: Mold insurance claims · Is it covered? · Denied or underpaid claims
Robert Mack
Licensed Public Adjuster · Lic. #A161638
Public Loss Adjusters, LLC · Montverde, FL 34756
352-353-4556 · rmack@placlaim.com
Lake · Orange · Sumter · Polk