Mold growth discovered in the commercial property following a water event. Under WAC 284-30; RCW 48.30.015, Seattle businesses have 3 years to pursue underpaid claims. Insurance Fair Conduct Act: triple damages available.
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Get Free Analysis →Under WAC 284-30; RCW 48.30.015, Seattle businesses generally have 3 years from the date of loss to pursue a bad faith action. Your policy may also require prompt notice (typically 30–60 days) and a sworn proof of loss within a shorter window. Insurance Fair Conduct Act: triple damages available. Consult a licensed Washington attorney for your specific timeline.
1) Ensure safety and contact emergency services if needed. 2) Photograph and video all damage before any cleanup. 3) Notify your insurer promptly — late notice can be used to contest coverage. 4) Preserve all damaged property until your adjuster inspects it. 5) Keep all receipts for emergency mitigation, repairs, and any temporary relocation costs.
Yes — common denial reasons for mold / mildew claims include: Long-term mold from neglected moisture, no covered cause.. If your claim is denied, request the specific policy provision in writing. Under WAC 284-30; RCW 48.30.015, insurers must provide a written explanation citing the exact exclusion. You have the right to dispute any denial.