Does Home Insurance Cover Mold Damage in Damascus?
SERVPRO Technicians Effectively Tackle Mold Infestations in Your Home
Most homeowners in Damascus have heard about the dangers of fungal growth. There are many articles and guides online about mold growth, and many people know how to recognize the tell-tale musty smell and dark black or green patches. However, some of our readers might wonder whether their home insurance covers mold damage. The answer is “probably not,” but there are circumstances in which your policy could extend to fungus.
It is understandable that residents might worry about mold damage in Damascus. Fungal growth looks and smells unpleasant and can even damage the structure of your home, or eat into prized furniture or rugs. SERVPRO carries out remediation as quickly and efficiently as possible, but we understand that our customers would rather avoid the need for our services!
Many people wonder if their insurance broker pays for mold damage. In most cases, the answer is no. Most policies do not cover mold, fungi, or bacteria. In cases where home neglect causes the damage, such as lack of ventilation, high humidity, or constant untreated leaks, the answer will almost certainly be “no.” That is why we recommend keeping your home dry and well ventilated whenever you can.
However, there are some circumstances where insurance policies cover mold damage. When fungal growth is caused by a “covered peril,” i.e., an incident which is covered by your plan, you should be able to make a claim. For example, if a pipe break or an ice dam in your gutter causes water to pool under your roof, you might be able to claim your policy.
Regardless of whether or not your plan covers you, it is vital to call in SERVPRO’s mold remediation experts as soon as you spot signs of mold. Our IICRC-certified technicians have the equipment on hand to set up containment and vent contaminated air outside your home so the fungus cannot spread. We clean all visible signs of fungal growth, advise you on which items to keep and which to throw away, and set a drying goal to reduce moisture. We dry the affected area and help you put a plan in place to keep it dry and reduce the risk of regrowth.
For help with mold remediation in Saltville, Damascus, Meadowview and surrounding areas, call SERVPRO of Abingdon / Bristol / Marion at (276) 258-5071 today.
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