What you should know about mold claims

What you should know about mold claims

 

Mold is a type of bacteria that is known to grow in moist, humid areas. If left untreated, this bacteria can grow & spread to various parts of your home & can lead to issues with your respiratory health.

In this post, we are going to cover some key tips when dealing with a mold damage claim.

 

1: Cause & Origin

The first step to working towards a favorable settlement is to determine the cause & origin of the mold. While many homeowner policies may include coverages & limits for mold & fungi, some policies state that they will cover the mold only if the cause of the mold is from a covered loss.

An insurance policy can be quite tricky to understand, so it’s best to carefully review them or have a public adjuster review it for you.

Mold doesn’t just come out of nowhere, so it’s important to first ascertain what could be causing its growth in your home.

A few common causes of mold for many homeowners can come from:

  • A slow leak
  • A pipe break
  • Standing water in an attic or wall
  • Breakage in a drain line

It’s best to have a licensed plumber or mold inspection company review your mold issues & determine where it can be coming from.

 

2: Remediation

After filing a claim & determining the cause & origin of the mold, you may want to look into having a professional company come to remove the mold from your home. 

Remediation services can be thousands of dollars. This is something you will want to ask your adjuster about to ensure that professional remediation is something your policy will cover. In more extreme cases, it may be required that you may have to leave the property temporarily until the mold & any chemical to use to kill the mold is gone from your home. 

 

3: Making Repairs

When it comes to starting the repair process for a property damaged by mold, it’s important that the full scope of repairs is accounted for.

In some circumstances, you may have to tear out a lot of drywall or cabinets to fully remove the mold from your home. This is something that should be addressed before settling your claim with the insurance company.

 

Wrapping it up

Mold is a very harmful bacteria that can lead to major health issues if left untreated. When mold is spotted, it’s best to act quickly to prevent further damage to your property & health.

Determining the cause & origin of the mold is the best way to work towards a settlement for your home. Make sure that you verify that mold coverage is in your policy. It’s always a best practice to request a copy of your policy if you don’t have one already.


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