Mold and mildew damage can be a big problem for homeowners!
It can make things look and smell bad and even make people sick. Insurance can help pay for the damage, but it depends on the policy. So, we’ll talk about mold and mildew damage, insurance coverage, and what to do to clean it up.
If you have mold or mildew in your home, keep reading to learn how to get the insurance money you need and fix the problem.
Understanding Insurance Coverage for Mold and Mildew Damage:
Insurance coverage for mold and mildew damage is different for each policy. Some policies may cover mold damage, but others may not. To know for sure, you need to read your insurance policy. Pay close attention to the parts about mold and mildew to see what is covered and what is not.
Insurance usually covers mold damage if it happens suddenly and by accident. For example, if a pipe bursts and causes mold, insurance may help. But if mold grows slowly because of neglect or other reasons, it may not be covered. It’s important to take pictures and keep records to show the insurance company what caused the mold.
Steps to Clean Up Mold and Mildew and Get Insurance Help:
- Take Pictures: When you see mold or mildew in your home, take pictures or videos to show how bad it is. Make a list of the things that are affected. These pictures and records will help when you talk to the insurance company.
- Tell Your Insurance Company: Call your insurance company right away and tell them about the mold or mildew. Follow their instructions and give them all the information they need. You may have to show proof of what caused the mold and what you did to stop it from getting worse.
- Stop the Mold from Spreading: You need to act quickly to prevent more mold from growing. Find where the moisture is coming from and fix it. Dry out the wet areas and get rid of things that can’t be saved.
- Get Professional Help: Hire a good company that knows how to clean up mold safely. They have the right tools and skills to get rid of the mold and make your home safe again. Keep all the receipts and reports from the cleanup to show the insurance company later.
- Keep Records: During the cleanup process, keep a record of everything. Write down who you talked to, what they said, and how much money you spent. This information will help you when you make your insurance claim.
- Make an Insurance Claim: After the mold is cleaned up, it’s time to make an insurance claim. Include all the pictures, receipts, and reports you have to show how bad the damage was. Explain what caused the mold and how it affected your home.
- Get Legal Help if Needed: If the insurance company doesn’t want to pay or doesn’t give you enough money, you may need to talk to a lawyer who knows about property damage and insurance claims. They can help you fight for what you deserve.
Mold and mildew damage can be a big problem, but insurance can help cover the costs. It’s important to understand your insurance policy, take pictures, clean up the mold, and keep good records.
If the insurance company doesn’t cooperate, our lawyers can assist you!
Dealing with mold and mildew is tough, but with the right information and help, you can get your home back to normal.
Give us a call at 877-890-6372.
