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Fire & Water - Cleanup & Restoration

Mold damage and dealing with your insurance copany

5/24/2019 (Permalink)

Follow these 3 steps so you can be aware...

Three Steps to Tackle Your Mold Problem

Many homeowners in North Lawrenceville, mistakenly assume that all damage to their home is covered by a basic homeowner’s insurance policy. Unfortunately, there are many items these policies don’t cover, and mold damage often falls under this category. .

1. Check Your Policy

Contact an insurance adjuster or a mold remediation specialist at SERVPRO of North Lawrenceville to get started. Explain the damage, visible fungus growth and potential cause of the problem. Often, water damage and resulting mold are caused by the slow leaking of a pipe. These are usually considered maintenance problems and not covered by a basic homeowner policy. Mold damage due to flooding wouldn’t be covered unless you have a separate flood insurance policy. In other words, the typical homeowner doesn’t have mold insurance.

2. Call the Experts

As soon as a mold problem is identified, it needs to be dealt with. Obviously, the first step is to fix the source of the water damage. If it’s a leaky pipe or roof, it must be fixed before mold remediation steps are taken. Don’t assume you can handle the problem yourself. When it comes to damage within ceilings, under floors or within walls, you need professionals to come in and ensure the problem is fully solved. 

3. Prevent Future Problems

The key to avoiding costs associated with fungus growth is to prevent water backup. In basements or other areas prone to water, dehumidifiers can help. Make sure to use sump pumps or other piping to move water away from the house. It’s also a good idea to turn off your water when going on a long trip, particularly in the winter when pipes can freeze. 

Most insurance policies don’t offer mold coverage. When faced with water damage, make sure to check your policy and call the professionals at SERVPRO of North Lawrenceville, (678) 376 - 5515 to fix the problem. 

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