All Insurance Policies Are Different

Homeowners Insurance policies are written to cover specific risks facing the home of a given client. Most Homeowners Insurance policies cover losses pertaining to the specific issues that may cause a risk to that home. Concerning mold, knowing why it formed and grew will usually determine whether or not testing for it is covered. If a NJ home is located in a flood-prone area, or near a body of water, mold testing is probably covered under a Homeowners Policy.

So What Is The Cause Of The Mold In Your Home?

Mold usually forms as the result of moisture. The cause of the moisture-related mold in your NJ home will determine if mold testing is covered under your Homeowners Insurance Policy. Mold Testing NJ-NY is a Bergen County NJ mold testing service that can discover the reason for the moisture that resulted in mold in your home.

Often moisture in the home is the result of plumbing issues, a leak in the roof, cracks in the foundation, or frozen pipes. All of these issues in addition to the possibility of unexpected mishaps can cause moisture, which in turn can result in the formation and growth of mold.

What Risks Are Covered By Your Homeowners Policy?

Insurance policies usually have exclusions, whether they are written to cover all risks or only named risks. This is something to look for in your policy, possibly with the help of your insurance agent. Regardless of the type of coverage you have, you need to know the cause of the mold that is growing in your home to know if it is covered by Homeowners Insurance.  A professional testing service such as Mold Testing NJ-NY can inform you of the cause of mold, the location, and the scope of the growth.

Discover Mold Sources With Our Help

Mold Testing NJ-NY can determine if mold exists in your home and where it started. Our experience can serve as your guide to knowing if you have mold and if testing for the mold is covered under your Homeowners Insurance. Call us today for an evaluation at (201) 658-8881.