Mold Insurance Claims

Mold damage remediation can be very expensive. Be sure to have a professional document that you have mold as a result of the property damage you incurred. In many cases, your insurance company will not check for mold. Mold can cause serious illness and property damage. Mold contamination can also destroy your property and your contents.

Mold thrives in moisture-rich environments such as high indoor humidity, flooding, or a leaky roof or dishwasher. It hides in places you can’t see sometimes. If your insurance company is denying your mold insurance claim, contact Insurance Claim Advocates, LLC.

Mold Exclusions – Absolute or Not?

People across the country are becoming increasingly educated regarding the health risks associated with mold exposure. The insurance industry implemented many wording changes in the late 1990s and early 2000s after an increase of mold damage submissions in conjunction with covered water damage claims. Insurance companies began rewording their policies to almost eliminate mold coverage. Mold exclusions often contain language like:

“This policy does not apply to any loss or damage caused by or resulting from the actual or threatened existence, growth, release, transmission, migration, dispersal or exposure to mold, spores or fungus.”

It’s common that water losses produce mold if not properly remediated. A lot of insurance companies say mold is not covered. However, in many instances, mold is covered under an insurance policy when it is a result of a covered loss. Mold exclusions are relatively straightforward, but if the “other damage” is a covered peril, then the policyholder may have coverage.

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