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If you have mold in your home, scheduling professional mold removal right away is essential. This fungus can cause severe allergic reactions in many people, and the problem won’t go away on its own. Of course, as a homeowner, you may wonder whether or not your insurance covers the cost of the cleanup. The answer to that question depends on a variety of factors.

Does My Insurance Cover Mold Removal?

Essential Information

First, it’s important to remember every insurance policy is different. Some may cover this kind of work under the right conditions, while others may have no provisions for mold remediation or removal services.

You should also know even if your policy does potentially include coverage for the work, that doesn’t guarantee your provider will pay for it in all instances. They’ll first want to determine what caused the mold growth.

Why Circumstances Matter

mold removalMold thrives in moist environments. It often develops over time due to poor ventilation, constant humid conditions, and frequent leaks. If these circumstances contributed to your mold problem, your insurance company may refuse to cover the cost of the cleanup. That’s because these factors are considered maintenance issues. Your provider could argue if you had taken steps to improve ventilation, address the humidity, or fix the leak, you wouldn’t have a mold problem.

On the other hand, major flooding or sudden, severe plumbing leaks can expose parts of your home to enough moisture for mold to thrive. In cases such as these, when you can prove the problem was unavoidable, your insurance provider will be more likely to cover the work.

To truly understand what your insurance policy covers in regards to mold, contact an expert to review it with you. In the meantime, you must still schedule cleanup, as houses with significant mold growth are often difficult to insure in the future, making them also tough to sell.

 

Do you need mold removal services in Lincoln or Omaha, NE? Get in touch with A-1 Mold Testing & Remediation Services. They have the tools and expertise necessary to handle the problem efficiently. Contact them online for more information, or call (402) 474-6653 for the office in Lincoln or (402) 964-2080 for Omaha.

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