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Understanding How Homeowners Insurance Covers Molds and Water Damage

3/29/2017

5 Comments

 
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When water or mold get inside your home and start making a mess of things, are you covered? Make sure you know the limits of your homeowners policy and what it will and won’t cover when it comes to water and mold.
Does home insurance cover mold and water damage?

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.

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5 Comments
William Cramer link
2/9/2022 07:24:26 am

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 Thank you, amazing post!
I’m so thankful for your helpful post!

Reply
Local Water Damage Restoration link
2/24/2022 11:35:55 pm

Mold and water damage can cause extensive damage to a home and its contents. Homeowners insurance can help cover the costs of repairing this damage, but it is important to understand how the policy covers these issues. Generally, homeowners insurance will cover the costs of repairing damage caused by mold or water if it is the result of a covered event, such as a storm or a plumbing issue. However, there may be limits to the coverage, so it is important to read the policy carefully.

Reply
Michael Dance link
5/12/2022 09:36:04 am

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. Thank you for making this such an awesome post!

Reply
Collin Wright link
5/31/2022 11:58:45 am

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, Thank you for sharing your great post!

Reply
Best CRM for Startups link
7/21/2022 01:07:53 pm

Flooding can occur from storms, over saturated ground, overflowing or surging bodies of water such as rivers, ponds, lakes, and oceans. Good article thank you!

Reply



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