If you are a homeowner in the McKinney, TX area, you may have questions about whether or not your homeowners, condo, or renters insurance covers mold damage found in your home. In most cases, mold is preventable which means that any damage caused by it would also be preventable. There are situations, however, in which mold damage claims can be filed. Know what your policy includes and the filing process will go much faster.
Does Your Homeowners Insurance Cover Mold Damage?
There are cases in which your homeowners insurance will cover the removal and repair of black mold damage. This is when the damage has been caused by accidental exposure to water, such as a burst water heater, dishwasher malfunctions, or water damage caused by a fire. Even though most mold outbreaks are preventable, these causes are not. If your homeowners insurance covered the source of the damage, it will cover the resulting mold as well. It’s important to remember that there are events in which your homeowners policy won’t cover mold damage. This includes plumbing leaks caused by excessive wear and tear.
Ask Your Agent
The easiest way to find out if your homeowners, condo, or renters insurance covers the cost of black mold removal and repair is to talk to your agent. They can review your policy and help you determine whether or not your policy covers black mold. Homeowners insurance policies can be quite confusing if you are unfamiliar with specific terms or the way policies are written. Asking your agent to explain things to you will help clear up the confusion and give you the answers you need. You can have your policy reviewed at any time. This will allow you to ask questions and upgrade your coverage before you have an emergency.
Filing a Mold Damage Claim
If you find black mold in your home and need to file a claim, your first step should be to call your insurance agent and talk to them. An adjuster will be sent to your home so that they can go over the damage and determine a monetary value. Avoid cleaning the area or removing any items. Take as many photographs as you can to document the damage. You will also have to provide pictures of the source of the water damage for verification. Stay in touch with your insurance agent throughout the entire process.
Mold damage can be difficult to deal with. If you find mold growing in your home and can prove it is from a previous water-related event, contact your insurance agent. It will often take longer to verify the cause of the damage than it will to file the claim. Working with your agent will ensure that things go smoothly.
If you live in the McKinney, TX area and have questions about your homeowners insurance and mold damage, the experts at Gant Insurance Agency in McKinney, Texas are here to assist you. We will help you find the right coverage for your situation.