Mold damage can be a serious issue for homeowners. Not only is mold unsightly and can cause health problems, but it can also damage your home and belongings. If you find yourself dealing with mold damage, you may be wondering if your homeowners insurance policy will cover the costs. The answer to this question largely depends on the cause of the mold. In this article, we will take a look at what homeowners insurance covers in relation to mold damage and what your options are if you find yourself in this situation.
Does home insurance cover mold?
Mold damage is generally not covered by homeowners insurance. However, there are a few exceptions. For example, if the mold is caused by a covered event such as a burst pipe or roof leak, your policy may cover the costs of repairing the damage and removing the mold. Additionally, some policies may provide coverage for medical expenses related to mold exposure.
What should I do if my home is damaged by mold?
If your home is damaged by mold, you should contact your insurance company as soon as possible. Your policy may provide coverage for the costs of repairing the damage and removing the mold. Keep in mind that the insurance company may send an adjuster to assess the damage, so be prepared to provide documentation of the damage. Additionally, you should take steps to prevent further mold growth and protect your health. You can do this by removing any water or moisture from the affected area and using a dehumidifier to keep the humidity levels low.
If you find yourself dealing with this problem, it is important to take pictures and gather evidence of the damage. This can help you when you are trying to file a mold damage claim with your insurance company. Keep in mind that the insurance company may want to see proof of the damage, so make sure to keep any damaged belongings or materials as evidence.
What not to do when you see mold
If you find mold in your home, do not try to remove it yourself. Mold can be dangerous to your health, so it is best to leave the removal to a professional. Additionally, do not try to paint or cover up the mold. This will only make the problem worse. Instead, contact your insurance company and have them send an adjuster to assess the damage.
Mold can be a serious issue for homeowners, both in terms of their health and the damage it can cause to their homes.
Who pays for mold remediation?
The cost of mold remediation is generally not covered by homeowners insurance. However, there may be some exceptions, such as if the mold is caused by a covered event. If you find yourself dealing with mold damage, contact your insurance company as soon as possible to find out if they will cover the costs. This could get expensive which is why is so important to talk to a professional adjuster that knows the ins and out’s of home insurance policies.
How to Make a Successful Mold Insurance Claim
Is recommended to get your own representation to help you through the insurance process. A public insurance adjuster can help you assess the damage, negotiate with the insurance company, and ensure that you are getting the best possible coverage. Professional public adjusters will not charge you unless you receive a settlement from the insurance company. Let an expert take you by the hand so you can get the money you deserve. Keep in mind that insurance companies have a team of attorneys at their disposal so do not start the process alone.
Pro Tip: How to Appeal a Denied Mold Damage Claim in Florida: Strategies for Homeowners
What insurance companies cover mold damage?
Most major insurance carriers will offer some form of coverage for mold damage. However, the specifics of the policy will vary from company to company. It is important to read your policy carefully to determine what is and is not covered.
These are some popular insurance companies that offer mold coverage
- Allstate
- American Family
- Progressive
- AAA
- Chubb
- Lighthouse Property Insurance
- Universal Property and Casualty Insurance Company
- Citizens Property Insurance Corporation
- Security First Insurance Company
- Federated National Insurance Company
- Heritage Property & Casualty Insurance Company
- American Integrity Insurance Company of Florida
- United Property & Casualty Insurance Company
- St Johns Insurance Company
- Homeowners Choice Property& Casualty Insurance
- Tower Hill Prime (a Tower Hill Insurance Company)
- People’s Trust Insurance
- ASI Preferred (an ASI Company)
- Florida Peninsula Insurance Company
- First Protective Insurance Company
- Castle Key Indemnity Company
- Florida Family Insurance Company
- American Bankers Insurance Company
- Tower Hill Signature Insurance Company
- Olympus Insurance Company
- Safe Harbor Insurance Company
- Castle Key Insurance Company
- Safepoint Insurance Company
- Cypress Property & Casualty Insurance Company
Need Help?
If you are reading this article chances are that you or someone you know is dealing with mold damage. If you need help navigating through the insurance process, please contact American Premier Claims for a free consultation. We would be happy to help you get the money you deserve. Our online reviews speak for themselves, your claim will be taken care of by a team of professional adjusters. We have over 18 years of experience and we are fully licensed and insured for your protection.
