Hiring mold assessors. Not every mold assessor is created equal, and this can cause problems for the contractors or insurance adjusters who hire them. (Photo: Shutterstock)

Water damage is one of the most frequent causes of insurance claims in the United States. From hurricanes to flooding to pipes bursting — in a catastrophe of any scale, water often plays a significant role. Even when fires ravage a building, water is used to put it out. And, where there's water, there may be mold.

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