Does Homeowner's Insurance Cover Mold?
BioClean CT is a green company that focuses on air quality, water damage cleanup, and mold remediation. Rather than offering many different services, we specialize in these critical areas to give our customers the best experience possible.
What Does Homeowner's Insurance Cover?
Basic homeowners insurance covers damage caused by catastrophic events and extreme weather. It will usually reimburse the cost of your temporary relocation if the house isn't habitable due to the occurrence. Surprisingly, this type of standard insurance typically does not protect against things like earthquakes, flooding, power failure, or destruction from war. It does, however, usually cover medical expenses if someone injures himself or herself on your property. To get coverage for things like flooding and earthquakes, you'll need to purchase additional policies.
Will My Homeowner's Insurance Cover Mold?
Yes, but only if the mold was caused by one of the events covered in your policy. If it was caused by flooding, for example, and you're not covered for this, your insurance won't pay for mold remediation. It also won't cover mold caused by things like household leaks, high humidity, or if a window was left open during a hard rain.
What Should I Do if My Insurance Doesn't Cover Mold?
If your insurance doesn't cover mold, you should find a reputable mold remediation company in your area. It's recommended you ensure that the company:
- Has the latest, most reliable technology for testing air quality.
- Will be able to identify the type of mold you have and advise you on how to prevent its return after removal.
- Uses eco-friendly products and methods which are safe for your family and the environment.
- Has years of experience in your climate, great reviews, and comes endorsed by other local businesses.
How to Prevent Mold Growth in Your Home
Preventing mold can save you time and costly repairs. Here are key tips to keep your home mold-free:
Control Humidity: Maintain indoor humidity below 60% using dehumidifiers and proper ventilation.
Fix Leaks Quickly: Repair roof, window, or plumbing leaks as soon as they appear to prevent moisture buildup.
Ensure Ventilation: Use exhaust fans or open windows in moisture-prone areas like bathrooms and kitchens.
Clean Gutters: Keep gutters clear to prevent water damage that can lead to mold.
Use Mold-Resistant Products: When renovating, choose mold-resistant drywall, paint, and insulation for added protection.
Why Should I Call BioClean CT?
BioClean CT has been removing dangerous mold from Westchester County homes since 1988. If you do have coverage, we work closely with your insurance company. Also, if you are in dispute with your insurance company over coverage, BioClean CT can recommend a public adjuster.
You'll love our no-pressure service and, most of all, a mold-free home and clean air! When your insurance doesn't cover mold removal, give us a call.