Is Mold Damage Covered by Insurance?
Bergen County mold testing service provider, Certified Mold Testing, often gets asked: “Is mold damage covered by insurance?” The answer is dependent on the situation. Mold damage is covered by insurance when the mold exists because of a covered peril. Mold damage is likely not covered if it is the cause of the homeowner’s lack of maintenance. The first step of the process is to hire an experienced NJ mold testing company. This will result in determining the extent of your mold issues as well as the genesis of these issues.
A covered peril is typically something out of your control and nature related. Excessive snow loads are one such peril that can cause water to seep under roof tiles and get moisture building up in ceilings and walls. This is something that is not in the control of a homeowner. A situation like this will most likely be covered by a homeowner’s insurance policy. Certified Mold Testing NJ-NY is a reputable Bergen County mold testing company that will determine what caused mold to grow in your home.
Mold thrives in moist conditions
Mold thrives in moist conditions. As a result is not uncommon for mold to grow in areas of homes that never dry out. When HVAC systems have condensation built up or pipes in under sink cabinets are leaking it is an ideal environment for mold. When these areas are not tended to it can appear as homeowner negligence. If moisture is built up as the result of a faulty appliance, a dishwasher or ice maker, for example, this could be considered a gray area. New appliances that fail are different from old appliances that have not been maintained.
The expectation of insurance companies is that homeowners take care of their homes. This includes routine maintenance. If slow leaks are overlooked or necessary repairs are not made and moisture and mold are what result the damage will more than likely not be covered. The important thing is to keep moisture at bay and an eye on plumbing and appliances.
Schedule mold testing today
Contact our team at Certified Mold Testing NJ-NY today to schedule mold testing in New Jersey and New York. Our experts can locate mold and determine its cause. The area’s leading mold testing experts, Certified Mold Testing, can help ensure your home is a healthy home.
Click here to read “Is mold covered by insurance?” from Insurance.com.