The Bronx and some parts of Brooklyn are the moldiest neighborhoods in New York. Mold must be taken seriously for its health impact. People can suffer from itchy eyes and headaches. Those who are sensitive can develop fungal infections, which require proper treatment. Since mold thrives in moist places, water damage can be the main culprit. As such, New Yorkers already deal with flooding, hurricanes, and heavy snowfall. Hence, you can expect vulnerability to this element. Please remove it immediately to protect your property and those living there. Insurance renovations can help if you are concerned about the expenses.
However, does homeowners insurance cover mold? Let’s delve into this area for a clear understanding.
When can you claim insurance for mold removal?
The repair and renovation costs can be covered if the cause of the water damage is accidental or sudden. Suppose the leaky washing machine causes the black mold on the floor. A homeowners policy can cover the cost. You can also request a damage claim for the floor that needs replacement due to the event. Other mold damage scenarios eligible for insurance money include water heater damage, fire, frozen or burst pipe, etc. Remember, you may still need to pay from your pocket as insurers usually have a limit to how much they will cover.
When can you not claim insurance for mold removal?
Insurance companies don’t pay for damages caused by poor maintenance or neglect. Think of mold problems resulting from broken window and door seals, leaking faucets, stuffy rooms, etc. Some other events may also not be covered if you have a regular home insurance policy. A failed sump pump is an excellent example of this. A failed sump pump can flood the basement. Even a blocked city sewer line can cause water accumulation in the bathroom. All these are favorable environments for mold growth. Your insurance policy can pay for the cleanup if you opt for an add-on that covers this. Flooding also falls outside the purview of home insurance claims. Flooding is when many properties are simultaneously affected due to tidal surges or heavy rain. If you live in a flood-risk area, separate flood insurance should be considered.
Nevertheless, many flood insurance policies may still not pay for mold damage. So, you must read the terms and conditions to insure your property against mold damage.
How do you file a claim for mold damage?
Suppose you are eligible for a mold damage claim. In that case, you should first stop water from leaking into the area. Close the main water valve. Contact mold removal contractors for help. Zicklincontracting.com can be your one-stop destination for this. The restoration experts can document all the signs of water damage to increase your chances of getting the maximum claim. They will also extract water and dehumidify the floors. Expect them to also support you with repairs wherever required.
Allowing mold to grow in the home can be risky for your and your property’s well-being. People with compromised immunity and other health challenges need to be extra careful. So, please seek help before it’s too late and eliminate the unwanted situation.