Is mold covered by my insurance policy?

Posted by Matt Buchanan

Unfortunately, most insurance policies do not cover for mold remediation.  However, there is an exception if you can prove mold growth occurred due to a water loss covered under your policy.  And the reality is that it only takes a couple of days with the right conditions for mold to take root and begin spreading like crazy.

Let’s say you go out of town on vacation for a week and come back to a flooded first floor due to a water line to your refrigerator malfunctioning.  If it’s been running for a few days, water has soaked every inch of your flooring and sub-flooring.  Within 48-72 hours, mold can begin growing.  It’s important that any extraction or restoration company you bring out pulls up flooring, cuts into walls, etc. to look for signs of mold.  They’ll document these areas fully.

Because of the nature of mold, there are certified processes necessary to properly remediate it.  Any company can remove it, but doing so in a way that ensures it doesn’t come back is a whole different ball game.  Make sure that the company you use is a certified mold remediation company and make sure they show you their mold remediation certification (copy it or take a picture of it).


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About Matt Buchanan

I grew up in Irving, TX and left for Nashville, TN for college. After college I lived in Washington, DC and then in Cairo, Egypt. After coming back to the states, I spent a couple of years back in Dallas before moving with my wife to Denver!
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