homeowners insurance

Home Owners Insurance & Mold   

Home Owners throughout the years have found out the hard way that problems they thought would be covered under insurance may not actually be covered. There are many rules and steps that need to be followed from the beginning in order to be able to use your homeowner’s insurance for coverage. We advise all customers to review their individual home owner’s policy or call their insurance company to understand exactly what is covered when it comes to mold.

Some insurance companies allow claims for water damage, as you know from reading our blogs, moisture from water damage in the home is a prime accelerant for mold growth. Once water damage is found in the home immediate steps should be taken to find out the source. New water damage should be taken care of immediately, and drying the are out within 24 hours is important in preventing mold growth.

If an area of water damage is found that seems to have been a recurring or long-term issue, this is when a mold assessment should be performed. Although you may not see mold, the extent of long-lived water damage may reach further into walls, floors, etc. where you may not be able to see yourself.

Always do research on the mold assessment company that you choose and make sure that you ask to see their mold assessor license number so that you can confirm they are in fact licensed. If you do have an insurance claim involved, using a licensed professional for assessment is generally required.

That being said, HNST Mold Inspections is a licensed NYSDOL Mold Assessor as well as Inspector. We perform our services in New York and New Jersey. Contact us today for your mold assessment or inspection.

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