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Fire & Water - Cleanup & Restoration

Mold and Homeowners insurance

8/21/2017 (Permalink)

A question that we often are asked here at SERVPRO of Winnetka/Wilmette/Skokie is "Are there insurance plans that will cover you from the cost of a mold remediation project?"

So,does homeowners insurance cover mold? The answer is....Sometimes.

Does Homeowners Insurance Cover Mold?

Homeowners insurance does not usually cover mold damage. That being said, there are some instances where the cost of mold remediation can be covered by the insurance carrier. These instances generally occur when the source of the mold is due to an incident that the homeowners insurance policy does cover. For example, if mold has grown due to an accidental pipe break, sump pump failure, or water that's been used to put out a recent fire has caused mold to occur, your homeowners insurance could possibly cover the mold damages. On the other hand, if mold has grown due to improper maintenance practices such as on-going high humidity content or a continuous leak(such as a roofing or foundation leak), homeowners insurance will likely not cover the damages.

How To File a Homeowners Claim for Mold

The first step in filing a claim is to call your insurance carrier as soon as the suspected mold is discovered to inform them of the damages and the source of the issue. Once you speak with your insurance carrier and they provide you with the next steps, you can begin to gather the evidence. You can do this by taking several pictures of the source of the issue, as well as any apparent mold growth. Keep in mind that mold only needs 24-36 hours to begin to grow. It is also a very good idea to contact a licensed and IICRC certified mold remediation contractor and have them come out for an assessment. The professionals at SERVPRO WWS provide a no cost inspection of your property in order to determine the source of the problem, and recommend what course of action may need to be taken. We can also work with your insurance carrier to determine if the necessary coverages are available to you.

Call the professionals at SERVPRO of Winnetka/Wilmette/Skokie at 847-600-0102 if you suspect mold growth in your home.

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