Black Mold Covered by Insurance Policies

Mold Remediation Pro’s usually will be asked on occasion is black mold covered by insurance policies? We usually find that insurance companies deny these kind of claims as you must find the source of the water problem where the mold came from. Also you must know when to test for Mold Problems as it can become a serious health issue. Here is some information from Esurance  regarding if mold is covered under your insurance policy.

what’s covered: water damage vs. flooding

When our homes start filling with water, most of us are more concerned with getting rid of the moisture — quickly! — than with tracking where it came from. Insurance-wise, however, the source of your unwanted lagoon is pretty crucial. The big distinction you have to make is between flooding and water damage.

What’s considered a flood?

A flood typically involves external water rising onto your land, such as you might get from an overflowing river, tsunami, mudslide — even heavy rains. Damage caused by flooding is generally not covered by your home insurance policy; you need separate flood insurance coverage.

What’s considered water damage?

Water damage, on the other hand, involves instances of water hitting your home before touching the outside ground — and is usually covered by homeowners insurance. Depending on your home policy, things like a roof leak, busted pipe, or faulty sump pump could all qualify.

Remember, because the distinction between flooding and water damage is so fine, it’s always best to talk with your insurer after any incident. Even if your claim is flood-based and the immediate damage isn’t covered, perils extending from the flood — like property theft or fire — might be.

homeowners insurance and mold

One of the worst byproducts of water damage can be mold. Besides being potentially hazardous for your health and just plain gross, mold can reduce your home’s value by discoloring the walls or ceiling, rotting wood or ductwork, or creating a foul odor. Ultimately, a happy home is a dry home.

Whether homeowners insurance covers mold, again, comes down to the source. For instance, mold caused by flooding or long-term neglect probably won’t be covered. But if the mold is a result of a burst pipe or other covered peril, your home insurance coverage might be able to help repair damage and get rid of the pesky spores.

dealing with mold

Luckily, you needn’t rely only on your insurance. There are plenty of ways to prevent mold growth on your own.

How to prevent mold

According to the Environmental Protection Agency, mold spores flat out cannot grow without moisture. Here are some mold prevention tips to keep your pad dry and fungus at bay:

  • Dry any spills or leaks within 48 hours
  • Clean gutters frequently
  • Keep indoor humidity below 60 percent (if you use a humidifier)
  • Activate bathroom vent or open a window while showering
  • Vent appliances that produce moisture (stove, dryer, etc.) and use fans when necessary
  • Insulate cold surfaces
  • Avoid wall-to-wall carpeting if possible
  • Don’t store paper products or clothing in humid areas
  • Clean fridge drip pans regularly
  • Ensure rainwater flows away from the house

How to spot mold

Sometimes even if mildew has entered your home, it’s not obvious. Here are a few tricks on how to spot mold:

  • Check for an earthy or musty odor
  • Angle a flashlight at the wall to reveal color contrast
  • Look behind shelves and dressers, or anywhere the air is cold and not ventilated
  • Pat pillows with a spatula to see what dust comes up
  • Check surfaces for a slick or slimy feel

How to safely remove mold

Keep in mind that for areas 10 square feet or larger, it’s usually best to call an industrial hygienist. But if you do find mold in your home, follow these guidelines when getting rid of it:

  • Wear long sleeves, goggles, and rubber gloves
  • Use a respirator
  • Ventilate the room while cleaning
  • Separate infested area from the rest of house with plastic sheets
  • Place used cleaning items in airtight plastic bag

The Epa has set some guidelines regarding the Ten Things You Should Know about Mold.

  1. Potential health effects and symptoms associated with mold exposures include allergic reactions, asthma and other respiratory complaints.
  2. There is no practical way to eliminate all mold and mold spores in the indoor environment; the way to control indoor mold growth is to control moisture.
  3. If mold is a problem in your home or school, you must clean up the mold and eliminate sources of moisture.
  4. Fix the source of the water problem or leak to prevent mold growth.
  5. Reduce indoor humidity (to 30-60%) to decrease mold growth by:
    • Venting bathrooms, dryers and other moisture-generating sources to the outside
    • Using air conditioners and de-humidifiers
    • Increasing ventilation
    • Using exhaust fans whenever cooking, dishwashing and cleaning
  6. Clean and dry any damp or wet building materials and furnishings within 24-48 hours to prevent mold growth.
  7. Clean mold off hard surfaces with water and detergent, and dry completely. Absorbent materials such as ceiling tiles, that are moldy, may need to be replaced.
  8. Prevent condensation: Reduce the potential for condensation on cold surfaces (i.e., windows, piping, exterior walls, roof, or floors) by adding insulation.
  9. In areas where there is a perpetual moisture problem, do not install carpeting (i.e., by drinking fountains, by classroom sinks, or on concrete floors with leaks or frequent condensation).
  10. Molds can be found almost anywhere; they can grow on virtually any substance, providing moisture is present. There are molds that can grow on wood, paper, carpet, and foods.


So contact us  if you have a serious mold problem in your home or business. 443-961-2725