What should you do if your house has mold?
What should you do if your house has mold?
Hear this out loudPauseTo clean or remove mold: Wipe hard surfaces with a suitable commercial product, soap and water, or a heavily diluted bleach solution. Always dry the surfaces after use to prevent mold from reappearing. Wash or wipe porous surfaces and check regularly to see if mold has returned, as it can infiltrate these materials.
Why is mold not covered by homeowners insurance?
An important reason to stay on top of home maintenance. Also, the standard homeowners insurance policy does not cover water damage caused by a flood. Thus if a flood causes water damage that leads to mold, the resulting mold issue would not be covered by your home policy.
Can a lack of maintenance cause mold in a house?
However, you may not have the same luck should the homeowners insurance company be able to link the mold to a lack of maintenance or neglect on your part.
Do you have to pay for mold after a flood?
A final note about mold that flourishes after a flood. It may be covered, but likely only if you have purchased flood insurance. Regular homeowners’ insurance typically does not cover any damage from water that, as with a flood, contacted the ground before it entered your home.
What to look for in a mold removal company?
When choosing a mold removal company, be sure that they have the proper insurance and training. Hiring a handyman can result in major cross-contamination throughout your property and thereby, it is crucial to choose an experienced and professional mold removal company.
Can a homeowners insurance policy cover mold damage?
Homeowners insurance covers mold damage if it was caused by a “covered peril.” Otherwise, an insurance company will likely not cover mold damage. There are exceptions, which we will get into later in this article.
However, you may not have the same luck should the homeowners insurance company be able to link the mold to a lack of maintenance or neglect on your part.
What to do if you have mold on Your House?
Call your insurance provider immediately to make a claim. Keep a log of detailed notes of every conversation with your insurance provider and who you spoke with. Review your policy. Review your homeowners insurance policy carefully to understand your coverage. Protect your property from further damage.
A final note about mold that flourishes after a flood. It may be covered, but likely only if you have purchased flood insurance. Regular homeowners’ insurance typically does not cover any damage from water that, as with a flood, contacted the ground before it entered your home.