The topic of mold can be a confusing matter when it comes to homeowners insurance. There are situations where the existence of mold in one's home can constitute a claim needing to be filed. There are also scenarios where mold exists and while the clean-up of it may not be a covered by one's insurance carrier, it still merits a call to the professionals at ServiceMaster Quality Services.
Does Insurance Cover the Removal and Cleaning of Mold?
Typically mold is not a covered peril when it comes to homeowner's insurance. Many adjusters and underwriters will view the presence of mold as an issue of neglect on behalf of the homeowner. However, if mold occurs due to an accident or natural disaster than the clean-up and mold removal services should be covered by a person's homeowners insurance policy.
The most common situations where mold would be covered by a standard homeowners policy would be in the cases of a pipe bursting, an ice maker leaking, or a malfunctioning dishwasher discharging excess water onto flooring or drywall. If a situation like this should occur while a homeowner is on vacation, mold may set in rapidly and the removal of it should be covered during the insurance claims process.
Issue of Neglect
Mold is not covered under a standard homeowners insurance policy when it develops due to rot or neglect. Mold can occur in areas of high humidity or in the event of neglected water damage to the interior or exterior of a home. Dark, musty basements and garages are common areas where mold could grow and become a problem. If mold is discovered in a dwelling or an outbuilding, it is vital that ServiceMaster Quality Services be contacted immediately.
According to the Insurance Information Institute, "When it comes to keeping your home mold-free, a strong offense is definitely your best defense. To prevent mold, eliminate moisture from your home and be on the lookout for signs of possible growth, such as musty smells or watermarks on walls and ceilings."
Have you discovered mold in your home or need a good service company to help during the clean-up of a filed insurance claim? Contact ServiceMaster Quality Services for assistance.