In a humid climate like Florida’s, discovering mold in your home is not unusual. While unsightly mold spots are a common sight, they can also compromise the structure of your home and pose serious health risks. Before you hurry to hire professionals for removal, take a moment to check your homeowners insurance policy. Mold damage might be included in your coverage.
When does homeowners insurance apply to mold?
The origin of the mold is pivotal when filing a claim. Most policies only cover mold damage that results from a covered peril, which are unpredictable events that damage your home. These events must be sudden or accidental, such as when a broken water heater ruptures or pipes burst. Policies generally do not cover mold damage that stems from neglect or lack of maintenance, such as ignoring a persistent leak.
If you are able to connect the mold directly to a covered peril, your insurer may cover a portion of the damage. However, insurance policies often do not always pay for mold remediation. You might need to shoulder some of the costs.
For minor mold issues, filing a claim may not be the practical solution. However, for significant damage, a claim could save you money in the long run.
Steps to take after discovering mold
Upon finding mold, immediate action is key. Consider these steps to address mold damage:
- Notify your insurer: Report the mold immediately so they can arrange an assessment and possibly begin remediation, which may help contain mold growth.
- Document mold damage: Take videos and photos of the damage to support your claim.
- Prevent further damage: Protect the rest of your property from mold but avoid making permanent repairs or throwing away damaged items until the site has been inspected.
- Stay on top of your claim: If you experience delays, document them with an email or letter. Be firm when following up on appointments or deadlines.
- Note conversations: Jot down the names, titles and contact information of everyone you deal with. Make sure agreements are in writing so you can refer to them later.
Following these steps and understanding your policy can empower you to manage mold damage with confidence. Still, the root cause of mold can become a source of dispute. If your insurer rejects your claim, you have a right to appeal.
Insurers do not always side with policyholders. That is where experience and knowledge can come in handy. Partnering with an attorney may help you avoid crucial mistakes, negotiate effectively and fully understand your rights.