NYC Mold Removal – Does Your Home Insurance Cover Mold Removal?
Protect Your Home with Insurance In the Case of Mold Growth.
Having mold growing in your home can turn out to be a health hazard and cause a considerable amount of property damage. In severe cases, it can make it nearly impossible for you to sell your home. NYC mold removal is essential if you have mold growth, but will your homeowners insurance cover the cost?
Water Damage
Mold grows as a result of water damage in your home. This can occur slowly over time due to leaks, or it can happen in a shorter amount of time due to flooding or burst pipes. Keep in mind that many homeowners insurance policies only cover water damage caused by sudden problems, such as a pipe that bursts. However, flood damage and damage caused by leaks, humidity problems and similar issues are typically not covered. In this case, you can expect to cover the entire expense of having mold removed from your home.
Mold Growth
Even if your homeowners insurance policy covers sudden water damage, it might not include coverage for mold problems. Homeowners insurance companies are increasingly putting limits on coverage for mold growth or refusing to provide coverage for it altogether. Some might only offer coverage for mold testing. It’s important to check your policy to see if it includes coverage for mold-related damage. If not, get in touch with your insurance company to see if it offers any options for mold coverage, such as buy-back endorsements.
If you need NYC mold removal for your home, please contact Stern Mold for more information about our services, including free inspections. We provide safe and reliable mold removal for homeowners in NYC, NJ and Long Island.