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Fire & Water - Cleanup & Restoration

What to Expect From Your Insurance Company When You Have Mold Damage

3/29/2018 (Permalink)

If you discover mold growing in your home in West Dundee, IL, the expense of repairing the damage it causes may be considerable. Unfortunately, most home insurance policies do not offer mold coverage, giving you little to no reprieve of the cost of having it removed. Because fungus growth takes time, insurance companies often see a mold issue as a problem that could have been prevented with proper maintenance.

Preventing Mold Damage

Mold needs moisture to grow, so any area that is damp or shows signs of water damage is at risk for a mold problem. Routine maintenance is key to keeping mold out of your home. The following actions should be a regular part of your prevention plan:

• Inspect your home for condensation or damp areas that could foster fungus growth.
• Seal cracks in or near walls and windows to keep external humidity out of your home.
• Keep your home well-ventilated.
• Use exhaust fans, ventilators and dehumidifiers as often as possible.
• Fix plumbing issues in a timely manner.

Insuring Your Home

A history of mold can devalue your home. While the burden of proof that your mold problem was not caused by negligence is going to be on you, there may be clauses in your homeowner’s policy that allow a certain level of mold coverage. Review your policy with your insurance company and mold remediation specialists to figure out if part of the cost of the restoration services can be covered. If you live in an area with high humidity or frequent flooding, you may consider investing in additional mold insurance.

Any home at risk of water damage is also at risk of a mold problem. If, however, you are vigilant about preventing fungus growth and take the time to familiarize yourself with what is and is not covered by your homeowner’s insurance, you are less likely to be blindsided by the exorbitant costs of mold remediation.

Visit us at http://www.SERVPROeastwestdundeeswbarringtonhills.com for more information. 

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