Mold Damage Insurance Claims

Previously, most property insurance types covered mold damage if it was caused by a covered peril, which could be a sudden and unexpected burst pipe, storm, the result of fire control measures, or any other reason that would have normally been covered by your insurance policy.

Now that more scientific knowledge has been made available about mold and its effects on human health, many more individuals are concerned about it. If the mold infestation is severe, cleaning it up will often be a procedure that is both costly and dangerous. As a result, a large number of insurance companies have removed any coverage for mold damage from their property insurance policies. This exclusion applies even if the mold has formed as a direct result of a covered peril.

However, there are cases where insurers will still provide coverage for damage resulting from a mold or fungus infestation if you pay an additional premium.

If your property is affected by mold, you should take immediate action to remedy the situation. Mold growth can result in severe property damage, in addition to being a serious health hazard to certain individuals. Even before they excluded coverage for mold damage from their policies, many insurance companies would downplay the possible seriousness of a mold infestation. Some would even advise their clients that they could clean up the area themselves by using a bleach and water, thus suggesting that professional mold remediation was unnecessary.

Even if coverage for certain kinds of mold damage may be present in your policy, insurers will often say that it is excluded.

At Property Damage Consultants, we can help you by evaluating your mold insurance claim and giving you valuable advice on which course of action you should take.

Mold Insurance claim stages:

  1. When a property is affected by mold, professional testing would often be required to determine which actions would be necessary to deal with the amount of mold damage you have.
  2. A mold remediation protocol will be created and then submitted to a contractor that specializes in mold remediation services.
  3. Once the remediation work has been done, the indoor air quality will need to be tested in order to determine whether all the mold is gone. Even if there is no more visible damage, mold spores can remain in the air, presenting a health hazard and increasing the possibility of another infestation.

Property Damage Consultants will investigate the loss and advise you on how you can accurately document your losses due to mold, including advising you whether you would need to bring in experts that specialize in mold damage cases.