Should I File A Claim For Mold In Attic

The other challenge with making a mold insurance claim is understanding your coverage.

Should i file a claim for mold in attic.

Mold in attic is fairly common because attics are often damp. How to file a claim when you have mold in some cases your mold claim will coincide with the claim you file for a causal incident. Contact your insurance company as soon as possible to file a mold claim. If your policy covers mold removal there are some things you should know if you have a claim.

Amounts vary but a typical home owners policy might cover between. Water saturates wood and insulation and leads to mold in the attic. For example if a pipe burst and flooded your house your insurance company may send a mold remediation team to properly dry your home in order to prevent mold from ever growing in the first place. Actual devaluation is subjective but since severe cases of mold infestation can make it nearly impossible to insure a home mold can render your home essentially unsellable while the different kinds of spores might have slightly different growth patterns all require moisture and warmth and all should be eradicated when found.

If your roof leaks or any attic windows leak you ve got moisture in your attic and probably need to consider attic mold removal. For instance if a hurricane tears your roof off and water gets inside the home causing mold to grow you might be able to file a claim for that along with other damages to the home. We find that time is the biggest problem resulting in a mold claim. If mold grows in a naturally damp room you won t be covered unless you ve added an optional mold insurance endorsement to your policy.

Mold remediators must have a state license. Even if your roof and windows don t leak though humidity in the attic can lead to the growth of mold. In a catastrophic flood or pipe burst claim getting a remediation team in within the first 48 hours to begin drying out property can be crucial to preventing or containing mold growth. The more it grows the harder it is to deal with he says.

A 2003 white paper on mold from the iii put the cost of the average mold claim between 15 000 and 30 000 at least five times the average non mold home owners claim at that time. However if the mold is the result of a covered roof leak your insurance company should also cover mold remediation unless you ve failed to file a claim for that leak in a timely manner. A mold remediator is someone who removes mold from homes professionally. Mold damage also harms the value of your home.

After a rush of mold claims in the early 2000s most states adopted limitations on mold coverage. Take photos and then stop the source of the leak and clean up. Some home insurance policies cover mold caused by covered events. To learn whether a company or person has a license call the texas department of licensing and regulation at 800 803 9202 or visit.