Covered in Mold?

7/16/2018 (Permalink)

When your home is covered in mold, it is too late to ask if you are covered FOR mold.  For most people who take out a homeowners policy, they don’t think of all the various scenarios that could cause damage in their home.  There are often gaps in their coverage that go unnoticed until the unexpected occurs. Unfortunately, mold growth is commonly falls into this category. At SERVPRO of Mobile County, we want to help you be prepared before it’s too late.  Mold coverage can vary from company to company and even policy to policy. So how do you know if you are covered? It’s very important to read your entire policy or go through it with your insurance agent. You should look closely at the specific language used especially in reference to the cause of the mold issue.  Most policies have a long list of exclusions for the causes of mold. For example mold growth resulting from rot, corrosion, wear and tear, deterioration and neglect are some of the most common reasons that mold remediation may not be covered. The key to ensuring that you are protected is education and communication.  There are many resources, such as United Policyholders, designed to help you learn more and empower you with the knowledge to know what questions to ask. Once you know what you want to ask, speak with your agent and communicate your concerns and/or questions. And as always, if you experience a mold issue in your home, contact SERVPRO of Mobile County at 251-343-0534 to schedule your inspection.