Mold Remediation: Will It Be Necessary And Will My Insurance Handle It?
Mold growth is on the rise in buildings across America. More and more homeowners have been discovering that their American dream is turning into a big nightmare. One day, the whole thing seems to be okay. The next day, they discover a piece of property plagued by mold and/or mildew. Unfortunately, this detection 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.
Popular Warnings of Mold or Mildew Growth in the Home:
Very poor indoor air quality leading to breathing and respiratory problems.
High humidity from outside climate or an improperly functioning humidifier.
A moistened basement - caused by dripping pipes or some other kind of basement flooding.
A leak in the roof top or ceiling.
Musty odors in some part of the home.
Discolored walls.
If you are going through 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 crucial for you to tackle this issue head on by hiring a professional mold removal company.
Find Professional Mold Removal Companies:
The first step is to have your home checked by a licensed mold remediation company. The mold cleanup technician will do a thorough inspection of your house to determine if you have a mold issue. They will inquire about the background of the home-what leaks or flooding may have occurred. They might 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 origin of the mold problem and get you back to living in a healthy environment.
Will My Insurance coverage Pay for the Mold Remediation?
That depends on the reason for the mold problem. If the mold growth was caused by a burst pipe or some other type of water leak, in most cases it will be covered by insurance. If the occurrence is due to gradual weakening over time, it may be determined that the problem should have already been addressed previously, and your insurer will not cover it. If the cause of the growth is due to 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 intending toward finding ways to deny coverage for mold damage statements. 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:
Document all the damage as much as possible using detailed photos and use an expert mold cleanup company to help you deal with your insurer and make sure you can be fairly compensated for any covered mold damage in your home.
With the proper documentation and the help of a mold cleanup specialist, your residence will be free of mold and if the damage was caused by a covered occurrence, your insurance provider is going to be far more likely to pay your claim.
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