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Fire & Water - Cleanup & Restoration

Understanding Insurance and Mold Coverage

9/18/2018 (Permalink)

Severe mold damage in a Houston, TX home

One of the scariest discoveries you can make as a homeowner in Houston,TX, is fungus growth in your home. It may be black, orange, green or gray and sprout up in any room. Regardless of the color or space it inhabits, mold is not a welcome part of the decor. What are the next steps? Is mold coverage included in homeowners insurance?

First Fungus Growth, Now What?

Forty-eight hours is all it takes for mold to grow and spread. Once you notice a problem, act fast:

  • Do not attempt to touch or remove the impacted areas yourself. If handled improperly the particles may be released into the air and spread further.
  • Call a mold remediation specialist to remediate the problem. Typically, this involves assessing the severity of the mold contamination, containing the mold and filtering the air. Contents are discarded, cleaned and/or restored as appropriate.

Who Pays for Remediation, Homeowner or Insurance?

Mold insurance coverage is not usually part of a standard insurance policy, but there are instances when it may be covered:

  • Insurance considers mold within coverage when it is caused by another insured event, such as water damage from a fire or storm. If a flood causes water damage you must have flood insurance for the resulting mold to be covered.
  • The incident that initiates the mold must not be preventable. If failing to maintain your old pipes causes water damage, any mold resulting from that occurrence is not covered.
  • Some insurance companies offer partial mold remediation reimbursement. It also may be possible to purchase separate mold coverage as an add-on to the policy before a mold related instance occurs. Talk to your agent to understand your specific coverage.

Unsightly fungus growth can be devastating to your home in Houston,TX. Once your senses alert you to a mold problem, immediately contact a mold specialist and your insurance agent.

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