Legal Question in Insurance Law in Georgia

You are asking us to guess what caused the mold, what your policy covers, and several other important details.

They are supposed to fix it all and fix the mold, plus cure the underlying cause of the mold once it is identified. That said, there are always exclusions found in every policy and lately insurers have been trying to deny claims using an exclusion that essentially says that if the damage didn't happen within 14 days or a shorter time, they don't have to pay. Obviously the burst pipe and damage to the ceiling and wall is within 14 days. The mold....maybe not. It may be that it is too difficult for them to differentiate between the water damage and the mold in which case you are probably OK. Let the adjuster look. You have to cooperate with the adjuster or the claim can be denied for non-cooperation. Be aware of that potential 14 day problem, though. DON'T mention this to him, however. It might give him the idea to turn down the claim. Good Luck!