Short answer: 4Sure Mold Removal offers financing through Wisetack for the costs insurance doesn’t cover: your deductible, items your policy excludes, or jobs with no insurance claim at all. Checking your options uses a soft credit check that doesn’t affect your credit score. Loans run from $500 to $25,000 over 3 to 24 months.
What financing is for
- Your insurance deductible. We bill your insurance carrier directly for covered work; the deductible is yours to pay.
- Items your policy doesn’t cover. Upgrades, excluded damage, or anything the carrier denies.
- Jobs without an insurance claim. Uninsured losses, small jobs under your deductible, or mold remediation not covered by your policy.
How it works
- We inspect and give you a free written estimate.
- If you’re filing a claim, we bill your carrier directly and tell you what your share will be.
- Ask us about Wisetack for your share. You’ll see your options after a soft credit check that doesn’t affect your score.
- Choose the term that works for you, from 3 to 24 months.
How insurance and financing fit together
Most water damage jobs are a mix: the insurance carrier pays for covered work, which we bill to them directly, and you pay the deductible plus anything not covered. Financing is there for that second part. See how we handle insurance claims and what water damage restoration costs.
Common situations where financing helps
- A burst pipe with a high deductible. The carrier covers the restoration; financing covers your deductible.
- Mold your policy excludes. Mold from long-term humidity or seepage is often not covered. Financing spreads the remediation cost over 3 to 24 months.
- Costs above a mold sublimit. Many policies cap mold coverage. Financing covers the portion above the cap.
- A sewer backup without the endorsement. Standard policies often exclude sewer backup. Financing can cover the cleanup.
- Upgrades during reconstruction. If you choose better flooring or cabinets than the policy pays for, financing can cover the difference.
What you need to know before applying
- Loan amounts: $500 to $25,000
- Terms: 3 to 24 months
- Checking options: soft credit check, no impact on your score
- All financing is subject to credit approval, and terms vary
- Financing is offered through Wisetack’s lending partners
Common questions
Does checking my financing options affect my credit score?
No. Checking your options uses a soft credit check, which does not affect your credit score.
How much can I finance?
From $500 to $25,000, with repayment terms from 3 to 24 months. All financing is subject to credit approval.
Can I finance my insurance deductible?
Yes. The deductible is one of the most common uses. We bill your insurance carrier directly for covered work, and financing can cover your share.
Can I finance a job with no insurance claim?
Yes. Financing covers uninsured losses, small jobs under your deductible, and mold remediation your policy does not cover.
When do I decide on financing?
Before work starts. We give you a free written estimate, explain what insurance is expected to cover, and you can ask about Wisetack for the rest.
Call (385) 247-9387. Estimates are free, and we’ll walk you through insurance and financing before any work starts.
All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners.