Mold Remediation: When is it Necessary and Will My Insurance Cover It?

Mold growth is on the rise in homes across America.More and more homeowners are discovering that their American dream is turning into a big nightmare. One day, everything seems to be fine. The next day, they discover a house plagued by mold and/or mildew. Unfortunately, this discovery often occurs far too late to avoid costly repairs. This is why mold removal is essential at the first sign of mold growth in the home.

Sometimes, it can be difficult to tell if your home will need a mold cleanup. However, there are some symptoms to look out for:

Common Signs of Mold or Mildew Growth in the Home

  1. Poor indoor air quality causing breathing and respiratory problems.
  2. High humidity from outdoor climate or an improperly functioning humidifier.
  3. A wet basement caused by leaking pipes or some other kind of basement flooding.
  4. A leak in the roof or ceiling.
  5. Musty odors in some part of the house.
  6. Discolored walls or rotted wood.

If you are experiencing any of these issues in your home, there is a good chance you may have mold growth. If you allow it to continue, it could jeopardize your health and put your largest investment at risk. At this point, it’s important to tackle this issue head on.

Get Professional Help

The first step is to have your home checked by a licensed mold remediation specialist. The mold remediator will do a thorough inspection of your house to determine if you have a mold growth problem. They will ask about the background of the home-what leaks or flooding may have occurred. They will also test the air quality and do a full assessment of the house to determine the extent of the problem and what kind of mold removal and cleanup strategies will be necessary to fix it. When your health and home are on the line, it is best to deal with an experienced professional to get to the root of the mold problem and get you back to living in a healthy environment.

Will My Insurance Pay for the Mold Cleanup?

That depends on the cause of the mold problem. If the mold growth was caused by a burst pipe of some other type of one time water leak, in most cases it will be covered by insurance. If the occurrence is due to gradual deterioration over time, it may be determined that the problem should have been addressed previously, and your insurer will not cover it. If the cause is flooding from an outside lake or river, homeowner insurance will not cover it unless you purchased special flood insurance from the National Flood Insurance Program.

One note of caution, insurance companies are trending toward finding ways to deny coverage for mold damage claims. This is due to a large increase in claims over the past few years. With this in mind, there are two important things to remember when dealing with the insurance adjuster:

  1. Document all the damage as much as possible using detailed photos.
  2. Use a professional mold remediator to help you deal with your insurer and make sure you are fairly compensated for any covered mold damage in your home.

With the proper documentation and the help of a mold removal specialist, your home will be free of mold and if the damage resulted from a covered occurrence, the insurance company will be far more likely to pay your claim.

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