July 26th, 2019
Mold removal service may or may not be covered by your home insurance. At USA Restoration, we can help you file an insurance claim. After all, it is one of our specialties.
Typically, homeowners insurance will only cover mold damage if the cause was a covered peril. For example, if the mold growth is the result of water leaks that could be prevented, then it will not be covered by your insurance. Your insurer may also not pay for maintenance issues that could have been prevented.
Your insurance company expects that you take care of those issues proactively. In that way, they will not cause major problems.
What are Covered Perils?
As mentioned earlier, most insurance companies will only cover mold removal cost if the cause is a covered peril. These covered perils would include fire, theft, lightning, falling objects, weight of ice, frozen pipes and several others. In other words, your home insurance will only pay for the mold removal cost if the cause cannot be prevented through maintenance.
For instance, ice can form in the gutter of your roof. It typically happens during a rough winter. It causes the water to back up under the shingles causing leaks in the attic. It affects the attic floor and the insulation. As a result, it promotes mold growth.
Your home insurance will also cover if mold growth is caused by a pipe bursting in your home, dumping gallons of water on the floor while saturating the drywall. Unfortunately, you could not call water restoration service because you were at work while it happened. Perhaps, you were out of the country. This scenario is acceptable to your insurer.
Most of the incidents covered by home insurance are sudden and accidental scenes. They are covered by your insurers. To know whether or not your home insurance will cover the overall cost of mold removal, you should consider contacting your insurer.
Keep in mind that there are expectations to those covered perils. You must check your policy to know more about mold claims. Regardless of whether or not your home insurance covers mold removal you need to call our water restoration team. In that way, we can properly assess the situation and stop the molds from further growing.
We can also help you determine whether the incident is covered by your insurance. Our team of technicians is ready to assist if it is time for you to file a claim. Mold growth is dangerous as molds can negatively affect your health. That’s why you must call our mold removal team ASAP.
Do not wait for the situation to worsen. Keep in mind that the longer you wait, the more expensive the overall cost will be. Our water restoration technicians utilize state-of-the-art equipment to properly identify mold growth and remove it. They use cutting edge equipment in drying and sanitizing your home to avoid further mold growth.
Contact our mold removal team today to assess the situation in your property. Call us at (800) 805-0541.