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Suspecting mold??? You shouldn’t take any chances!

Submitted by on Thursday, 19 May 2011One Comment

While usually harmless, household mold can also be very toxic and has been associated with a wide range of health conditions, from asthmatic symptoms and allergies to fibromyalgia, cancer and even death.

Mold toxicity, expensive mold remediation, and also the fact that most insurance companies usually don’t cover for it, make mold one of the most feared household hazards.  Some homeowners choose to pay extra for mold insurance “riders” that provide additional coverage. Should you???

Most likely not, as additional coverage is not just expensive, but also has low ceilings on the claim amount.  It’s better to be constantly vigilant in detecting sources of moisture in your home and take preventive measures to avoid indoor humidity, like fixing leaky pipes promptly, maintaining the integrity of your roof, keeping humidity levels below 60%, making sure roof water drains away from your home, cleaning any mold immediately with a solution of bleach and soap, and in rooms prone to condensation, painting with mold inhibiting paint.

At the same time, homeowners should be aware that even though their insurance policies don’t cover mold, depending on its source, mold damage may still be covered. For example, if the mold is the result of an accidentally burst pipe, or of flood waters entering your basement, mold remediation can be covered by regular homeowners insurance or flood insurance. However, if the mold is the result of neglecting to maintain ones home, the chances for a successful claim are considerable reduced.

Before filing a claim for mold damage, it’s important to review the language of the insurance policy for mold exclusions and also file the claim accurately.  When in doubt, ask for professional help.  It always pays!

Any questions???  We’re glad to hear form you!
Michigan Fire Claims

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