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Clarifications on Mold Damage and Home Insurance

For homeowners, mold can be a serious problem. Not only can cause a great deal of damage to the house itself, it can expose you and your family members to some potentially serious health complications. Consider these important mold facts.

Mold and your homeowner’s policy

Mold is caused by water damage such as a burst pipe or sewer back-up. Typically, both a burst pipe and sewer back-up damage can be covered by your home insurance. However, your insurance provider could reject a claim if the mold growth has been present for an extended period. Long-term mold is considered to be neglect of regular home maintenance.

It’s important to review your home insurance policy carefully so that you are informed of what is covered and what is not. You may be able to purchase additional insurance for your home such as a mold rider to supplement certain situations that are excluded.

Understanding how dangerous mold is to your health

Mold can cause serious health issues, especially if you have been exposed to it for extended periods of time. Respiratory complications are a common result of mold exposure. In extreme cases, mold can even lead to death, so it’s crucial to look for the signs that mold is present in your home. If you have recently experienced water damage, mold could follow if you don’t clean up the water damage properly.

Where to Check for Mold Growth

Trust your nose – a moldy or damp smell is usually a good indicator that mold is present. Unfortunately, mold can grow anywhere, but there are some common areas to check:

  • Underneath the siding
  • Anywhere water is prone to pooling such as outdoor stairwells
  • Ceiling and walls that have experienced water damage
  • Kitchen, basement, and garage
  • Damp areas, especially bathrooms and laundry sinks

How to Stop Mold Growth

There are several steps to take to prevent mold from growing in your home:

  • Use professional services to assist with water damage clean-up or mold removal
  • Ensure your home is maintained at the right humidity level to improve airflow
  • Make sure you don’t allow areas to remain wet and clean up the moisture right away
  • Ensure your home has proper ventilation
  • Make sure groundwater properly flows away from your home

If you ever experience mold from water damage, contact your broker to see if your policy covers the damage. The brokers and CSRs at DPM Insurance Group are always here to assist and can provide information on the proper steps to take to resolve the issue.


Source: Youngs Insurance


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