Is Black Mold Covered by Insurance Policies

mold-insurance

Is Black Mold Covered by Insurance Policies

When Is Mold Remediation Covered By Home Insurance?

Much of the damage that mold causes is not covered by homeowner insurance policies. If you file a claim for water damage, but you don’t take steps to deal with further damage caused by the water (such as the growth of mold) then you could forfeit the money from your claim. The Mold Remediation Pros can help you with this problem.

We can inspect your premises for you, determining the extent of the water damage and if you need to be worried about mold growth. We also recommend that you have the air tested for mold spores when water damage occurs.

The EPA has established a set of guidelines detailing information you should know about mold.

1. Mold can cause asthma flare-ups, allergic reactions, breathing problems and much more.

2. You cannot get completely get rid of mold spores in the air. But you can limit their presence with moisture control.

3. Mold is caused by moisture, and getting rid of the moisture problem is the first step toward mold remediation.

4. Start with the water source to fix your mold problem.

5. Decrease humidity levels in your home to prevent mold growth. Also ensure you have proper ventilation to keep mold spores from taking root.

6. Get rid of damp spots as soon as possible after water damage occurs.

7. Mold should be thoroughly cleaned with detergent, and some porous material may need to be replaced.

8. Seal and insulate doors and crevices to ensure that condensation does not get inside your home.

9. Do not place carpet in areas with a continual moisture presence. This includes near drinking fountains and in the bathroom.

10. Mold can grow pretty much anywhere, and all they need is water and nutrients, the latter of which they can get from carpet, drywall and wood.

Fixing the Problem

If you want to handle mold growth, you should start by preventing it from growing in the first place.  You don’t want to remediate the mold yourself, unless you are a professional. When water damage happens to your home, have experts dry the area thoroughly and get all the water out. With no water present, the mold cannot grow.

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