The Mold feature allows mold payments to be entered and tracked in ClickClaims when issuing claim payments.  This article provides a comprehensive review of this functionality.

Mold Limit:

The mold limit can be set directly within the claim from the “Policy” tab prior to designating the mold amount during the payment process.  

1. Navigate to the “Policy” tab of a claim record in ClickClaims.
2. If, at claim creation, the “Endorsements” field does not contain “HO FMB 0718”, the “Mold Limit” field, which is located under the “Limits” section of the tab, defaults to the “$10,000.00” value.
   1. This value can be modified by eligible users, as needed.  Any saved modifications made to this field are captured in the claim’s change log which is accessed from the button located on the claim’s “Review” tab or from the “Search Claim Changes” option accessed from the “Reports” menu bar button (site administrators only).
   2. Note: No validation related to Mold will occur based on the “Coverage Verified” field.
3. If, at claim creation, the “Endorsements” field contains “HO FMB 0718”, the “Mold Limit” field will be left unpopulated by default and needs to be manually populated by an eligible user prior to checking the “Coverage Verified” field’s checkbox by selecting the appropriate value ($10,000; $25,000; $50,000) from the drop-list.  
   1. If “HO FMB 0718” is listed in the “Endorsements” field and the user checks the “Coverage Verified” checkbox and clicks the button without populating the “Mold Limit” field, a validation message will display stating, “Mold Limit is required.”  To resolve the validation, the user must populate the “Mold Limit” field with the appropriate value, check the “Coverage Verified” checkbox, and then select the button.
   2. Once the “Policy” claim tab is initially saved with the “Mold Limit” field populated, the tab can no longer be successfully saved if the field is cleared out.  Attempting to do so will result in a validation message stating, “Mold Limit cannot be cleared out.”  To correct the validation, populate the “Mold Limit” field with the correct value prior to clicking the  button.

Entering a Mold Payment:

1. Navigate to the “Payment Request” section of the “Contacts/Claimants” claim tab. 
2. Enter the payment information per usual.  Details pertaining to Mold is displayed in the “Mold” sub-section.
   1. Limit: The value is located within the “Mold Limit” field of the claim’s “Policy” tab.
   2. Payment: If any monies associated to the current payment is allocated to Mold, enter that new Mold payment amount in this field. If not, leave this field blank.
      1. Note:  The amount entered in this field cannot exceed the value shown within the “Remaining” field.  Entering a value exceeding the mold’s “Remaining” amount will result in a validation message stating, “Mold Payment Amount cannot be greater than the Mold Remaining Amount.
   3. Paid:  Sum of the Mold payments paid across all related claims that contain the same policy number and are within the same policy period.  The “Paid” amount cannot exceed the limit or the value shown in the “Remaining” field.
   4. Remaining:  The value located within the claim’s “Mold Limit” field of the “Policy” tab minus the total Mold payments is paid across all related claims as shown in the “Paid” field.
3. If no value is populated in the “Payment” field of the “Mold” sub-section, a confirmation message displays after clicking the button stating, “Is any portion of this payment related to mold?”
   1. If “Yes” is selected, a validation message displays stating, “You must enter an amount in the Payment field of the Mold field set below to proceed with this Payment request.”
   2. If “No” is selected on the confirmation message, the payment will process as usual.
4. If not set to “Yes” already, when at least one payment containing an amount allocated to mold is submitted on the claim, the “Mold” claim flag is automatically modified to “Yes” on the claim’s “Review” tab.
   1. Changes to this flag are captured in the claim’s change log and as an activity record on the claim’s “Notes” tab.
   2. “This is a MOLD Claim” is also added to the “Payment Request” section of the claim’s “Contacts/Claimants” tab in bold, red font.
5. The value entered in the “Payment” field of the payment record is displayed under the “Mold Amount” column of the “Payments” claim tab.
6. The total amount allocated to mold on the claim is displayed in the “Mold Total” field located under the “Indemnity” section of the “Policy” claim tab.
7. The “Flag – Mold” widget can be added to the logged-in user’s Dashboard to quickly identify claims flagged a mold.
8. A search of mold claims can be performed from the “Claim Search” or “Claim Reporting Search” page by selecting “Mold” from the “Dynamic Flag” search field and/or a search can be performed on either of these pages of the mold indemnity amount by checking the field and utilizing the “Indemnity Mold Total” search field.
9. “Mold (PAID)” is a secondary column available on all grid views on the “Claim List” and “Claim Reporting Grid” pages.