How to get Insurance Compensation for Mold Damage

If you've recently discovered mold in your home, don't panic. There are steps you can take to get the insurance compensation for mold damage that you deserve.

In order to figure out if your homeowner's insurance policy will cover mold damage, it is important to understand that most policies exclude coverage for mold damages. Mold is only included in the event that it becomes a problem as a result of another covered claim like water damage.

Will the cost of mold removal be covered by homeowners insurance?

Homeowner's insurance will only cover the costs of mold removal if the cause of the mold is already a covered item in your policy. For example, water damage is typically included in most policies. However, water damage that happens due to sudden and/or unexpected events, such as a broken or leaking pipe, or an overflow due to a malfunctioning air conditioner, is covered by standard homeowner's insurance.

If too much humidity in your home leads to mold, you may be able to file a claim under your policy's coverage for water damage. Sometimes this coverage covers mold removal and remediation, and also any repairs needed for mold-damaged property.

RelatedHurricane Season: What to be aware of for mold testing and water damage

When is mold covered by homeowners insurance?

Mold is typically covered by home insurance when it occurs in the following situations:

How much financial assistance will my insurance company provide for mold damage?

Mold damage might set you back anywhere from $10,000 to $40,000 to repair. Insurance companies know this and have taken countermeasures to minimize their financial obligations. One way that insurance companies cover themselves is by reducing payouts for mold damage even if it is caused by a covered event, which happens regularly. Most insurance policies cover mold remediation costs starting at only $1,000, but possibly up to $10,000.

If you wish to purchase a higher mold coverage amount, it is usually available as an add-on. Keep in mind that if you live in an area that is notorious for mold, like Florida, obtaining mold coverage is often a costly endeavor.

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Under what circumstances is homeowners insurance void when it comes to mold?

If you fail to take care of your home and it becomes infested with mold, your insurance company is likely to deny your claim.

If you wait too long to file a claim for water damage, your insurance company may deny coverage because you didn't act immediately. For example, if mold starts to spread as a result of a minor leak, it could cause serious problems that often go unnoticed until it's too late.

Most homeowners insurance policies will not cover mold damage from regional flooding because of excluded perils, like floods. If you want coverage for flood-related mold growth, consider purchasing a flood insurance policy that is separate from your actual homeowner's insurance.

When is mold often not covered by insurance companies?

Here are a few examples of when mold is not typically covered by your home insurance:

You have mold. How do you file a claim?

The first thing you should do is contact a mold professional, such as Engage Mold Solutions of Florida. We are the initial step in the mold cleanup procedure, and we will thoroughly inspect your home and provide all of the required documentation. This will assist you in filing an insurance claim and locating a mold removal specialist.

In some situations, your mold claim will be linked to a similar incident. For example, if a pipe breaks and your home is flooded, your insurance provider may send a mold removal company. The mold company will dry your home in order to prevent mold from developing.

By taking this extra precaution, you can reduce damage and save yourself from having to pay two separate deductibles — one for the pipe that burst, and another for mold removal down the road.

In order to avoid future issues, be sure to ask your agent if mold removal or remediation is included in your current claim. Additionally, keep track of all places that have been damaged as well as any repairs made. Oftentimes, people only discover mold long after damage from water has happened.

If your mold claim is denied, the adjuster will want to see more proof. The goal here is to show that the covered peril initially caused the mold and that it was not caused by a recent leak or neglecting upkeep.

Then, follow these procedures to submit an insurance claim for mold:

The original water damage probably caused the mold in your home, but your insurance company will try to claim otherwise. If they succeed, you might have to pay two deductibles instead of one. Here's how you can prove that the mold is related to the original water damage so that doesn't happen.

RelatedAnswering 17 Common Mold Questions

Start researching other insurance providers

It's a good idea to ask your insurance carrier if it covers mold damage. Some insurance firms, such as State Farm, no longer cover mold even after a storm causes damage initially. However, a few remaining national insurance providers who provide mold coverage are still out there.

Allstate, for example, covers mold; however, claims are limited to $5,000. If you are concerned about mold, investigate changing insurers to get more coverage. You may not only get mold coverage by switching insurance companies; you could also save money on your house insurance premiums by doing so.

Preventing mold growth before it happens is key

The best way to get prevent mold is to avoid it from developing at all. For people who live in states where mold is widespread, like Florida, this is crucial. You can do this by assuring proper ventilation, cleaning on a regular basis, and purchasing a dehumidifier for areas that are prone to mold growth.

Here are a few more ideas for preventing mold growth:

Keeping this list in mind could prevent you from dishing out a ton of money on home repairs down the line. However, if your home is affected by a flood, here are several things you can do to prevent mold growth before your mold professional arrives:

Related: How much do Mold Inspections Cost?

Contact Engage Mold at the first sign of Mold

If you suspect a mold damage or water damage issue in the Tampa Bay, Florida area or any of the surrounding communities, contact Engage Mold Solutions of Florida. We are the initial step in the mold cleanup procedure, and we will thoroughly inspect your home and provide all of the required documentation. This will assist you in filing an insurance claim and locating a mold removal specialist.

 

Hurricane Season: What to be aware of for mold testing and water damage

The peak of Hurricane Season is quickly approaching and it's important to be prepared for any potential damage that can occur. One often unseen – and under-prepared for – danger during a hurricane is the spread of mold. Mold can grow rapidly in moist environments, so it's essential to take preventative steps before, during, and after a storm hits.

Mold does more than just damage your home's interior and furniture; uncontrolled mold growth poses significant health risks. Even though some spores can be harmless, mold is always an issue to take care of before it becomes a serious problem. Always make sure you take practical steps for mold prevention before and during the hurricane season.

In this blog post, we'll go over everything you need to know about mold prevention during Hurricane Season.

Hurricane season officially runs from June through November, but the peak months are typically September and October. During this time, it's important to be extra vigilant about potential water damage in your home. Water can enter your home in a number of ways during a hurricane - through leaky windows, doors, or roofs; by seeping in through cracks in the foundation; or by flooding. Any of these scenarios can create the perfect environment for mold to grow.

What can you do to prevent mold growth during Hurricane Season?

Seal off points of entry for water

The first step is to seal off any potential entry points for water. This includes repairing any leaks in your roof or around windows and doors. If you know your home is prone to flooding, take steps to protect it before a storm hits. This might involve elevation changes or installing flood barriers. Remember to look beyond windows and doors – check the base and tops of walls, stairways, bulkheads, and anywhere else water could potentially enter.

Remove any water immediately

During a hurricane, it's important to keep an eye on potential sources of water damage. If you experience any flooding, be sure to clean it up as soon as possible. Any standing water should be removed, and the area should be dried out completely. Having a dehumidifier and air conditioner on hand for moisture prevention is also key for when power returns.

If you suspect areas of your home have been exposed to water, mold testing is essential. A professional mold inspection can identify problem areas and help you develop a plan for mold removal.

RelatedSigns of Mold Everyone Should Be Aware Of

Keep windows closed and dehumidifier and air conditioner on

As long as you have power, air conditioning and dehumidifiers work wonders at keeping moisture at bay.

What to do after the hurricane

If water got into your home during the hurricane, you have a potential mold problem on your hands. Mold can grow anywhere there is moisture, even on the smallest things. As a result, the first thing you need to do is completely remove anything that has gotten wet. Things to check include rugs, pillows, furniture, walls, and anything porous.

RelatedHow to get Insurance Compensation for Mold Damage

Important reminder about Hurricane Season

Remember that mold generally starts to grow three days after serious moisture exposure. After three days have passed, you’re better off not touching anything in the flooded area. Some experts believe the period could be even shorter – within 24 to 48 hours. The most conservative estimates warn against touching anything that got wet after 48 hours have passed.

Call the professionals to remove your water-damaged belongings – remember any exposure to mold is dangerous to your body. Health problems can include a stuffy nose, irritated eyes, wheezing, skin irritation, difficulty in breathing, shortness of breath, and even mold infections in the lungs.

Related15 Telltale Signs of Mold in Your Florida Home

Rainy Season Helpful Reminders

Even when there is no hurricane threat, in the Florida Rainy Season, it is important to check your home routinely for small leaks and any sign of water damage around the exterior or interior of your home. Mold is a fungus that likes to grow in moist areas and it can begin growing in the hours after a high water event!  We are here to help - check out these quick tips:

Helpful tips to minimize your chance of mold this rainy season

  1. Have air conditioning in your home.
  2. Use a dehumidifier occasionally.
  3. Have tile in your bathroom instead of carpet.
  4. Always use a cleaner that has bleach when cleaning in moist areas.
  5. Check all seals around sinks, bathtubs, and anywhere water will be present.
  6. Check your insurance policy again to be sure if mold from water damage is covered when the water damage was not caused by a natural disaster.

Hurricane Season can be a stressful time, but by taking some simple precautions you can protect your home from mold growth. Be sure to seal off entry points for water, monitor for flooding, and test for mold if you suspect exposure to water.

RelatedAnswering 17 Common Mold Questions

With a little preparation, you can rest easy knowing that your home is safe from the dangers of Hurricane Season. Although damage from hurricanes can be devastating, using the above tips can keep you and your family safe from mold damage. Engage Mold Solutions of Florida is here to help ensure your home is safe after a hurricane. Contact us today.