Is Mold Remediation Covered by Insurance?

If you have mold in your home, you may be wondering if the cost of mold remediation is covered by your insurance policy. The answer to this question depends on a few factors, including the type and extent of the damage and the cause of mold growth.

Let’s take a closer look at how insurance companies approach mold remediation.

 

What Causes Mold Growth?

Mold growth can occur for a variety of reasons, ranging from water damage due to plumbing leaks or flooding to inadequate ventilation in high-humidity rooms.

In order for an insurance carrier to cover any associated costs with mold remediation, they must first determine that the cause of the mold was due to an event or occurrence that is covered under your policy; otherwise, they will deny coverage.

For example, if a pipe burst and caused flooding in your basement that then led to mold growth, this would likely be covered by your standard homeowners’ insurance policy.

 

Types Of Coverage For Mold Remediation

Suppose it is determined that your policy does indeed cover the cost of removing and repairing any damage caused by mold growth. In that case, there are typically two types of coverage available: structural coverage and personal property coverage.

Structural coverage covers any repairs necessary to restore damaged walls, floors, ceilings, etc. In contrast, personal property coverage covers any items that were damaged as a result of the mold (for example, furniture or clothing).

Depending on your policy limits and deductible amounts, you may also be able to file multiple claims over time for ongoing issues related to the same incident or occurrence.

 

Conclusion

In short, yes – many times, insurance will cover some or all of the costs associated with mold remediation. However, since this can vary based on individual policies and the specific circumstances of each case, it’s important to double-check with your insurer before proceeding with any action plan involving removal and repair work.

Nevertheless, taking care of any potential issues with moisture build-up in your home is always recommended; not only can it help avoid costly repairs down the line, but it can also improve air quality inside your home!

Contact Pure Maintenance of Texas today to learn more!

 

 

 

 

How Much Does It Cost To Remove Mold?

The cost to remove mold from your home or business can be a time-consuming and costly process. The amount for removal depends on several factors, including the size of the area affected, the type of mold present, and any other associated damage.

If you have a small area that is affected, the cost may be minimal. However, if it has spread throughout your home, it could be more expensive to remove. 

The type of mold present in your home can also affect the cost of removal. In traditional remediation, non-toxic is often much easier and cheaper to remove than toxic molds.

You will also need to consider the cost of repairing any damage. Mold can cause structural damage to your home, such as rotting wood or crumbling drywall, which will need to be repaired before the mold can be completely removed. If it has spread to your furniture, carpeting, and other items, these may also need to be replaced.

Overall, the cost of removal can vary greatly. However, it is important to remember that removing mold as soon as possible is essential to avoid further issues.

Contact Pure Maintenance of Texas today to learn how to avoid costly traditional tear-out remediation and save your personal possessions with our patented dry fog technology. Our experts can provide you with tailored advice and pricing based on the size of the area affected, the type of mold present, and any associated damage.