Mold Insurance Claims

Will mold insurance claims cover the cost of removal and cleaning?

Molds are very common in buildings and homes, and often home insurance policies will cover the cost of removal with successful mold insurance claims. Mold will grow in places with a lot of moisture, such as around leaks in roofs, windows, or pipes, or where there has been flooding. Mold grows well on paper products, cardboard, ceiling tiles, and wood products. Mold can also grow in dust, paints, wallpaper, insulation, drywall, carpet, fabric, and upholstery. Do you have mold? Are you concerned that your family’s health may be at risk?

How Does Mold Do Damage to Your Home and Family?

Mold is found both indoors and outdoors. Mold can enter your home through open doorways, windows, vents, and heating and air conditioning systems. Mold in the air outside can also attach itself to clothing, shoes, and pets can and be carried indoors. When mold spores drop on places where there is excessive moisture, such as where leakage may have occurred in roofs, pipes, walls, plant pots, or where there has been flooding, they will grow. Many building materials provide suitable nutrients that encourage mold to grow. Wet cellulose materials, including paper and paper products, cardboard, ceiling tiles, wood, and wood products, are particularly conducive for the growth of some molds. Other materials such as dust, paints, wallpaper, insulation materials, drywall, carpet, fabric, and upholstery, commonly support mold growth.

People with allergies may be more sensitive to molds. People with immune suppression or underlying lung disease are more susceptible to fungal infections. Individuals with chronic respiratory disease (e.g., chronic obstructive pulmonary disorder, asthma) may experience difficulty breathing. Individuals with immune suppression are at increased risk for infection from molds. If you or your family members have these conditions, a qualified medical clinician should be consulted for diagnosis and treatment. Filing mold insurance claims, and getting help to clear out mold, can help protect your family and your health.

How to Reduce Mold In Your Home

• Keep humidity levels as low as you can—between 30% and 50%–all day long. An air conditioner or dehumidifier will help you keep the level low. Bear in mind that humidity levels change over the course of a day with changes in the moisture in the air and the air temperature, so you will need to check the humidity levels more than once a day.
• Use an air conditioner or a dehumidifier during humid months.
• Be sure your home has enough ventilation. Use exhaust fans which vent outside your home in the kitchen and bathroom. Make sure your clothes dryer vents outside your home.
• Fix any leaks in your home’s roof, walls, or plumbing so mold does not have moisture to grow.
• Consider not using carpet in rooms or areas like bathrooms or basements that may have a lot of moisture.

Why File Mold Insurance Claims?

Mold mitigation can be expensive and inconvenient. It can be frustrating to fight with your insurance company in addition to dealing with the devastating effects of mold. Your policy may, in addition to mold mitigation and the repair to your property, cover your loss of use of your home during cleanup. Get our help to file successful mold insurance claims today!