27 Jun 2024

Each Insurance Policy Is Different


Mahwah NJ Mold Testing Services

Most Homeowners Insurance policies cover specific risks that the home of a given client may face. These policies cover losses pertaining to the issues that may cause a risk to that particular house. When it comes to mold, knowing why it formed will generally determine whether or not testing for it is covered. If your NJ home is located in a flood-prone area, or near a body of water, mold testing is probably covered under your Homeowners Insurance. Mold Testing NJ-NY is able to discover the origin of the mold in your home and why it is forming. Our experienced mold inspector will help to determine whether or not your NJ Homeowners Insurance does cover mold testing.


What Is The Probable Cause of Mold In Your Home?


Mold usually forms as a result of moisture. The cause of the mold forming in your home will probably determine whether or not mold testing is covered under your Homeowners Insurance Policy. Moisture in the home is often the result of plumbing problems, a leak in the roof, a crack in the foundation, or frozen pipes. All of these things in addition to the possibility of unexpected mishaps can cause moisture, which in turn can cause the formation and growth of mold.


What Is Covered By Your Homeowners Policy?


Whether they are written to cover all risks or only named risks, most insurance policies have exclusions. Your Insurance Agent can help you find out what your policy covers. Regardless of the type of insurance coverage you have, the cause of the mold growing in your home is essential to know in order to determine if it is covered by your Homeowners Insurance. A professional mold testing service such as Mold Testing NJ-NY will inform you of the cause of mold, where it is located, and the scope of the growth. We can inform you of the existence of mold and where and how it started. Our experience can serve as your guide to knowing if testing for mold is covered under your Homeowners Insurance. We can be reached at (201) 658-8881 to make an appointment for an evaluation of the mold situation in your home.