Property Owners, Insurance and Mold:
Living in our low lying humid community, we grew up with mildew and mold. Mold is just a part of living in New Orleans. There are a few common types found in homes and almost all types can cause respiratory irritation, allergic reactions, and other health problems. Mold can quickly spread when there is a presence of moisture in your home and a dark area will assist its growth. Moisture can come from leaking pipes and appliances, high indoor humidity, or water damaged roofs or windows. So, who do you call when you find mold, your insurance agent or a professional cleaner?
When It May Not Be Covered
Most homeowner’s insurance policies will not cover mold damage. This is because most listed perils are “sudden phenomenon” where you have no control over or you can prevent the damage. If the mold is caused by something that was preventable or repairable, it more than likely will not be covered. This could be an instance such as a leaking sink that you put off repairing. Staying on top of your home’s maintenance is a great way to find any possible problems that can cause further harm.
When It May be Covered
Mold damage may be covered under certain policies and circumstances. If mold is listed as a covered peril, then you’re in luck! If not, there are times when damage to your home is sudden and as a result, mold forms. This may be covered depending on your policy.
Here’s a real-world incident that may be covered: A pipe burst and floods your laundry room. You file a claim right away, but unfortunately, mold has already started to form in the drywall. If the mold is a result of a sudden and accidental peril, it may be covered.
How to Prevent Mold
Nine tips to help prevent mold are linked here. The number one thing is to keep moisture out! If you live in a subtropical climate or near the coast, humidity is inevitable, but there are ways to lower the moisture inside your home.
- Invest in a dehumidifier if air-conditioning isn’t enough.
- Keep pipes in good repair and do frequent inspections to check for leaks.
- Paint your rooms with paint that has mold resistant properties.
- Remove carpeting in bathrooms, the garage, the kitchen, or other high humidity rooms.