MODULE 1: INSURANCE & DOCUMENTATION

Mold Work Authorization

Lesson 1.4 - The Billing Blueprint: Mold Edition

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The Billing Blueprint

What's Different for Mold?

Same foundation as water, plus mold-specific additions

Coverage limits
Protocol requirements
Customer disclosures
Health risk language
Scope limitations

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The Billing Blueprint

5 Mold-Specific Additions

1. Coverage limit acknowledgment
2. Protocol compliance statement
3. Clearance requirement acknowledgment
4. Health disclosure language
5. Scope limitation clause

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1. Coverage Limit Acknowledgment

            "Customer acknowledges that mold remediation coverage under their insurance policy is limited to [$ amount]."

            "Work performed that exceeds the coverage limit is the responsibility of the customer. Customer agrees to pay any amounts not covered by insurance within 30 days of invoice."

Get this in writing before you start work.

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The Billing Blueprint

2. Protocol Compliance Statement

            "All mold remediation work will be performed according to the protocol provided by [IEP name]."

            "Scope of work is limited to protocol specifications. Any work outside the protocol scope requires written amendment from the protocol author and written approval from the customer before proceeding."

This protects you from scope creep disputes.

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The Billing Blueprint

3. Clearance Requirement Acknowledgment

            "Customer acknowledges that mold remediation requires third-party clearance testing before work is considered complete."

            "Remediation contractor cannot self-certify completion."

            "Costs for clearance testing are [included in estimate / billed separately / customer responsibility]."

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The Billing Blueprint

4. Health Disclosure Language

            "Customer acknowledges that mold may pose health risks to occupants."

            "Customer is advised to consult with a physician if any occupant has health concerns related to mold exposure."

            "Remediation contractor does not provide medical advice."

This limits your liability for health claims.

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The Billing Blueprint

5. Scope Limitation Clause

            "Work authorized under this agreement is limited to mold remediation per protocol."

            "Additional mold discovered during remediation requires protocol amendment and additional authorization before work proceeds."

            "Remediation contractor will notify customer of any additional mold discovery before performing additional work."

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The Billing Blueprint

Don't Forget State Requirements

State license information - proof you're licensed
Health risk notifications - required in some states
Right to cancel - some states require cancellation period
Insurance requirements - proof of liability coverage
Certification disclosures - your team's certifications

                Document that disclosures were provided. Failure to provide required disclosures can void contracts.
            

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MODULE 1: INSURANCE & DOCUMENTATION

End of Module 1

Insurance & Documentation Complete

You now understand mold coverage, third-party testing, documentation requirements, and work authorization.

Next: Module 2 - Xactimate for Mold

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The Billing Blueprint