Does Homeowner’s Insurance Cover Mold Removal and Damage?

Mold remediation covered under insurance can alleviate much stress associated with the fungus. First, you must thoroughly understand your insurance policy to receive compensation for mold remediation and or damage. You may have partial or full coverage, as well as a deductible.

Coverage will depend on specifics of your policy and if the mold was attributed to an accident. Typical mold coverage must fall under “covered peril.” Covered peril is defined in your insurance policy. An example of covered peril is mold caused by water damage that was the result of an accident such as a pipe bursting. A peril would not be the presence of mold secondary to a damp basement.

No matter what your insurance company covers, mold in your home can create significant problems to you and your family’s health as well as structural damage. The mold needs to be remediated as soon as possible due to respiratory aliments, sore throat, and allergies arising from its presence. Do not delay in seeking professional help and contacting your insurance company.

Each insurance company has its own set of policies, but the typical order to file a mold claim is as follows:

  1. Call your insurance company to see if mold remediation and or damage are covered.
  2. Never try to determine the cause of the mold, let a professional determine that.
  3. If you have coverage, file a claim.
  4. Schedule an appointment with your insurance adjuster.
  5. While waiting, take pictures of the area.
  6. Try to dry the area with a dehumidifier, fans, open windows, and any other ways of removing the moisture. Avoid cleaning or removing mold because the insurance adjuster must first inspect the area.
  7. Contact a mold remediation specialist to provide you a quote to thoroughly and safely remove the mold as well as repair the damage.
  8. Provide the quote to your insurance company to receive approval.

Most importantly don’t try to remove the mold yourself. The mold needs to be safely and methodically removed by professionals. Contact a mold remediation specialist that has the expertise and experience like Safeway Environmental. You don’t want to incur costs and health issues a second time because is was not properly removed the first time.

Leave a Comment