Breaking the ‘mold’ in insurance coverage
By Richard. Filed in Random |Tags: insurance, mold
While you might think that your home insurance covers mold damage, dig a little deeper and you may discover that your policy isn't quite up to your expectations.
It's not a pretty subject, but mold damage in the home is not just an unsightly inconvenience. It can be toxic to residents, and a very costly problem to fix, which is why homeowners like to count on their insurance policies to cover this potentially expensive clean up. However, most policies will only cover mold damage as a result of water damage, and eligibility for coverage can be based on a number of factors, such as how the water damage occurred; how quickly you report it; how promptly you cleaned up the water and dried the premises; and if you followed the proper procedures.
One type of mold damage that is preventable is mold caused by excessive moisture due to improper ventilation. The more effectively you ventilate your home the better your chances of eliminating potential mold issues.
To evaluate your home for ventilation related mold issues, simply take the time to look around your home for problem spots. More importantly, go over your ventilation systems and practices with a professional to ensure that you've done all you can to keep the potential for mold damage at bay. Also, it never hurts to check with your insurance agent to understand the conditions attached to insurance claims for mold damage so you stay informed and are not faced with any surprises.
For tips or professional contacts you can talk to about keeping potential mold damage at bay, visit http://www.hrai.com.
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