A mold problem in your home can cause major damage to your property and
create serious health issues for you and your loved ones. Before you schedule
a professional mold treatment, however, you will want to make sure that
you get in touch with your insurance company. With assistance from a contractor
mold cleanup in Baltimore, you can file a mold damage claim before your treatment. To help you get
ready for mold removal on your property, here is a look at what you need
to know about filing an insurance claim for mold damage.
Assess the Damage
Prior to filing your mold damage insurance claim, it is a good idea to
take the time to properly assess the amount of damage that has occurred
in your home. Your mold remediation specialists will be able to provide
you with a detailed report of the extent of the mold throughout your property.
With this report in hand, you will be ready to communicate clearly with
your insurance company
Review Your Insurance Policy
After you have taken the time to assess the mold damage to your property,
you will want to review the terms and conditions of your insurance policy.
While some types of homeowners insurance provide coverage for mold damage,
others do not. It may be necessary to document the source of the mold
problem in order to file your claim. Your insurance policy’s declaration
page will outline all of the information that you need to understand your coverage.
Contact an Insurance Agent
The final step of filing an insurance claim for your home is to get in
touch with an agent at your insurance company. Your agent will collect
information from you about the scale of your mold damage, as well as your
intended course of repairs. Once your claim has been filed, you will be
ready to start the cleanup process. Typically, your insurance company
can provide you with coverage towards all or most of the costs associated
with your mold repairs.