Mold Remediation and Insurance Claims
When you spot mold in your home or you have water damage that may result
in mold, you will not want to wait to seek professional mold remediation
services in Baltimore. Mold can spread through your home quickly, and
it can be found just about anywhere that moisture is present. Because
of the extensive damage that mold can cause and the health risks associated
with mold, you will never want to attempt mold remediation as a DIY task.
Instead, you should call The Mold Dr. to provide professional in-home
service that may be covered by your homeowner’s insurance.
When Does Insurance Cover Mold Remediation?
Not all mold remediation projects will be covered by insurance. Only mold
damage that is caused by sudden, unavoidable situations will generally
be covered. These situations are discussed in further detail below.
Floods – Homeowner’s insurance itself does not cover mold damage caused by
flooding, but a flood insurance policy can give you the coverage you need.
Typically flood insurance costs about $600 per year, while one inch of
flood water can cause about $7,000 in damage without insurance.
Unavoidable property damage – Any water damage that occurs suddenly and without warning tends to be covered
by standard homeowner’s policies. These types of damage may include
burst pipes, roof leaks, or sump pump failure. Problems that may have
been avoided with proper home maintenance, however, will generally not
How Do I Know If My Home Is Covered?
The easiest way to be sure that your mold remediation will be covered is
by calling your insurance agent for policy information. It is important
to know whether or not you are covered before filing a claim so that you
do not face unexpected costs if the claim is later rejected by your insurance carrier.
What Steps Can I Take to Prevent Mold Damage?
To steer clear of mold damage that will not be covered by your insurance,
you should invest in home maintenance with regular repairs and inspection
of your plumbing, HVAC, sewer, and irrigation systems. You might also
call a mold remediation professional for regular mold inspections to minimize
damage when mold is present in hidden areas like the attic or basement.
If you have a mold problem of any size at your Baltimore home, be sure
to call The Mold Dr. right away. You can reach us at (410) 935-0874 anytime,
24/7 to get the in-home service you need to handle water damage and mold.