Will my Insurance Cover Mold Removal?

Mold is a disgusting concept that no one wants to talk or even think about. When you think about mold, you think about the big black, gross spot that covers a fairly large area. Even if the mold growth isn’t that large and is only in a tiny corner of your bathtub, it’s still nasty to think about, and even nastier to look at. Some mold can be toxic and harmful to your health, while others are just a nuisance to look at.

No matter which mold growth you’re dealing with, there is one question on your mind: will your insurance cover mold removal? The biggest issue with a mold infestation is property damage so you want to know what your insurance will cover.

Will my Insurance Cover Mold Removal?

Mold Coverage

Whether or not your home insurance covers mold removal depends on your policy and the factors that contributed to the mold growth. Since mold thrives in dark, damp places, most mold growth is caused by water leakage and poor ventilation. Unfortunately, most homeowner insurance policies don’t cover all kinds of water damage. Standard homeowner policies don’t cover water damages caused by “maintenance” problems. These maintenance problems include:

  • Continuous water seepage or repeat leaks
  • Ongoing humidity problems
  • Problems related to your landscaping or drainage on your property
  • Condensation

Along with these maintenance problems, most policies usually exclude flood damage so if your mold infestation is a result of a flood, it is likely your insurance won’t cover the mold removal process. However, some policies will cover sudden and accidental water damage such as a burst pipe. The only way to be positively sure if your insurance will cover mold removal is by looking closely at your policy. If you’re covered or not, either way, you’re going to need to be vigilant and take preventative measures.

Preventative Measures for Mold Growth

The best way to protect your family is to take precautions so mold doesn’t grow, that way you won’t need to rely solely on your insurance. Take your home and your health into your own hands with these preventative measures:

  • Keep the humidity level in your home as low as possible
  • Use and maintain bathroom ventilation
  • Use air conditioners and dehumidifiers
  • Install attic and crawlspace ventilation systems
  • Use exhaust fans when cooking, dishwashing, and using other appliances that create moisture
  • Add mold inhibitors to paint before painting
  • Insulate windows, walls, and pipes to reduce condensation
  • Routinely check indoor water sources for leakage
  • Keep bathrooms as dry as possible
  • Fix plumbing problems right away

For more information on how to protect your home from a mold infestation, call MicroZyme Technologies today at 1-866-920-6653.

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