Mold damage is both stressful and costly. Mold damage also gets worse the longer you leave it, which means you need to get it fixed as soon as possible. An urgent cost like this can be an unwelcome surprise for many homeowners. The good news is many insurance companies will cover the cost of repairing mold damage, primarily when water damage has also occurred.
When Might Mold Damage Be Covered?
So, when does homeowner’s insurance cover mold? The first step would be to check your insurance policy or contact your insurance company to find out whether or not you have coverage. Claims for mold damage without water damage are usually not covered or some cases have a limited amount of coverage. Some common cases in which most companies cover mold damage include when the damage is:
- sudden
- accidental
- promptly reported to your insurer
In most cases, this water damage has to be one of the “named perils” in your insurance policy. For water damage, this usually means accidental damage like a burst pipe or a leaking appliance.
NOTE: Most insurance policies will not cover damage if there has been normal wear and tear or neglect on the part of the homeowner. To be sure, please check your homeowner’s insurance policy to verify your coverage.
When Should I Call A Professional?
Mold damage should always be addressed by a professional before it spreads. Mold remediationis the process of containing, removing, and treating mold. A mold remediation professional can help you completely remove mold from your home in a careful, thorough way, so it doesn’t come back.
Many mold remediation companies will work with your insurance. You can ask them if they offer direct billing. This means the mold remediation company will bill the insurance company directly and you won’t have to file a claim.
Green Restoration Has You Covered
At Green Restoration, we are mold remediation experts. Our team is experienced, uses environmentally friendly cleaners, and can take care of your mold problem for good. We can make your mold remediation easier by filing a claim directly with your insurance through direct billing. Contact us today.