MODULE 4: ADVANCED CHALLENGES

Complex Situations

Lesson 4.3 - The Billing Blueprint: Mold Edition

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Mold Found During Water Job

Most common scenario

1STOP work in that area
2Document what you found (photos, measurements)
3Notify customer immediately
4Report to insurance - mold may be separate claim
5Recommend mold assessment by IEP
6Wait for protocol before mold remediation

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Keep Billing Separate

            Water mitigation → WTR category

            Mold remediation → HMR category

            Same estimate, clearly separated by scope and category.

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Hidden Mold During Remediation

You find mold beyond the original protocol

1STOP work in new area
2Document with photos and notes
3Contact IEP immediately
4Request protocol amendment in writing
5Notify insurance and customer
6Submit supplement if room within limit

Do NOT just add extra work without amendment. No amendment = no payment.

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Multi-Unit Buildings

Condos, apartments, townhomes

First question: Whose insurance pays?
Unit owner's policy → their unit
HOA/master policy → common areas
Mold spreading = multiple policies involved
Get authorization from each affected party
Multiple adjusters may be involved

                Document extensively. Multiple parties = multiple "I didn't approve that" disputes.
            

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Commercial Mold Work

Larger scope = higher scrutiny
May require Industrial Hygienist instead of IEP
Business interruption claims possible
Tenant vs landlord - different policies, responsibilities
Multiple trades involved
Longer payment cycles - Net 30/60 common

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When Supplements Help

Supplements work when:
Room within coverage limit + new documented scope
Protocol amendment exists
Additional mold discovery documented

                Supplements don't help when:

                Limit already exhausted. Can't supplement past the cap.

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The Common Thread

In all complex situations:

STOP → DOCUMENT → COMMUNICATE

Get proper AUTHORIZATION before proceeding.

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Key Takeaways

Mold during water: Stop, document, notify, get protocol, separate billing
Hidden mold: Stop, document, get amendment, supplement if room
Multi-unit: Determine whose insurance, get all authorizations
Commercial: Expect more scrutiny, longer payments, coordinate trades

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Coming Up Next

Lesson 4.4: Working with IEPs

Building relationships with testing companies
Communication during projects
Handling clearance failures
Becoming a preferred referral

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MODULE 4: ADVANCED CHALLENGES

End of Lesson 4.3

Complex Situations

Action Item: Think about a past complex situation. Did you follow proper process?

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MODULE 4: ADVANCED CHALLENGES

See You in Lesson 4.4

Working with IEPs

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