A typical homeowners policy will often cover sudden and accidental water issues such as burst pipes, but do not cover water damage caused by maintenance problems like ongoing humidity problems, condensation, or problems related to your drainage on the property. Other than these kind of water issues, check your policy to be certain. The bottom line here is that not all cause of water damage is covered by homeowner’s insurance because it will always depend on the policy that you have. Homeowners insurance may cover repairs for mold and water damage, depending on the sources.
Water damage vs. Flood
· Flood – Flooding can occur from storms, over saturated ground, overflowing or surging bodies of water such as rivers, ponds, lakes, and oceans. But no type of flood damage, no matter the source of the water is covered by a standard homeowners policy. You can, however, purchase separate flood insurance.
· Water Damage – Homeowners insurance does not cover all types of water damage. However, most standard policies provide protection from water damage if the cause is sudden and accidental. For example if there’s a leak in the roof, or a busted pipe, a faulty pump, or other plumbing issues, then these could qualify, depending on your home insurance policy.
How to deal with mold:
Some people are sensitive to mold exposure especially children and the elderly, which might cause respiratory problems, so better seek medical help immediately when this happens. Hence, it is best to learn how to prevent it and get rid of it.
We all know that mold loves moisture and wet areas. The rule of a thumb here is to simply keep your area clean and dry to prevent mold formation.
When trying to remove mold, wear a facemask, gloves, and cover your legs and arms to avoid contact with the mold. Use soap and water to scrub the mold-covered surfaces. Wipe off but DO NOT RINSE these surfaces.
If you are still wondering on what best insurance to choose, just give us a call at (305) 270-2220 and we would be happy to assist you anytime. We at American Trust Insurance Consultants, Inc. ensure you have the correct coverage for your unique needs. You may get a free quote from us by clicking here.