5 Steps To Make a Mold Claim

11/30/2020 (Permalink)

Bedroom with mold damage

Take These Five Steps To Make A Mold Claim

A covered mold claim can save thousands of dollars that a homeowner would otherwise have to pay out-of-pocket for cleanup and remediation. Residential property owners may assume homeowners insurance covers fungus growth, but many policies exclude or cap mold coverage.

1. Make Sure Mold Is Covered
Homeowners should review their current coverage to determine whether additional mold insurance is necessary. Many homeowner’s policies cap or cut out coverage for secondary damage resulting from primary water damage that was improperly restored. Endorsements, riders and additional policies may provide mold coverage with independent terms and limits.

2. Document Mold Damage
When you see mold growing in your home, document the damage in preparation for making a claim. A mold inspection professional can safely obtain footage of hidden fungus growth behind walls or in other hard-to-reach locations with specialized photographic equipment.

3. Make a Mold Insurance Claim
A homeowner should submit proof of damage and any other helpful documentation when making a claim. Within the stated limit of a claim, more costs may be covered if a homeowner can provide records of water damage restoration and ongoing upkeep of plumbing and other structural systems.

4. Schedule Cleanup and Remediation
Cleanup and remediation should take place as soon as possible after the detection of mold in a residence. Certified mold specialists can remove colonies and ruined building materials, disinfect and apply antifungal treatments to surfaces and clean some contents exposed to mold.

5. Take Preventative Measures
A homeowner should take any measures necessary to keep mold from returning to a residence. Fixing plumbing or roofing problems and restoring water damage can keep fungi from multiplying.
Fungus growth poses a problem for many households in St. Charles, IL. If you see or smell signs of mold growth, contact certified professionals. Timely action can limit the spread of mold throughout a residence.