Mold in Home

Black Mold and Insurance Claims

If you’ve ever encountered a major problem in your home, one of the first questions you’ve probably asked yourself is “does my homeowners insurance cover this?”  With Black Mold, the question is even more important for you to understand a head of time. Not only does black mold cause damage and unsightly messes in the home, but it also poses health problems. Costs can get out of control when it comes to abatement, and with inadequate or no coverage, you could be on the hook. Here is what you need to know regarding black mold and insurance claims.

  1. As black mold becomes an increasingly common problem, it’s important that any time you take on new homeowners insurance, or switch companies that you specifically ask about coverage for mold related issues.
  2. Although black mold may be covered due to the event that caused it, many insurance companies set limits or exclusions in their policies. It is important to ask your agent about any limits or exclusions set forth in the policy.
  3. If you do not have flood insurance, mold caused due to a flood may not be covered. Again, important to read and understand your policy. You may want to have flood insurance depending on your area.
  4. Mold issues due to neglected maintenance on your home may not be covered! Mold caused by leaks, seepage or poor drainage will most likely not be covered which means you need to do your due diligence and make sure those problems aren’t happening on your property.

The bottom line is that you need to know what your insurance covers and what it doesn’t. You’re your insurance company today! Ask them what mold related coverage you have, what the limits are, and what any exclusions would be. You may need to add coverage such as flood insurance in order to be completely covered. Also, review our top ten list for what you can be doing to prevent mold in your home and protect yourself now!

Immune System

Exposing young Children to bacteria

In today’s world of antibiotic use, hand sanitizing and anti-bacterial soap, is it any wonder that allergies are at an all-time high, and that children’s immune systems aren’t as strong as they used to be? We came across this great video that we’d like to share with you regarding allergies.

Mold allergies, asthma and other respiratory concerns are a big consequence of mold growing in homes. Children with low immunity can have a stronger and more impacted response tom mold and allergens inside the home. Because children are our future, and we want to see them thrive with a strong immunity, we’d like to highlight this video posted by David Wolfe, on his Facebook page we hope you enjoy it.

You can view the video here.

With over 7.6 Million views, we know that this short video will make some sort of impact on you. Even if you just learn something new in regards to auto-immune disease, immune systems, or overuse of antibiotics you will walk away a more informed individual.

Allergies to mold can look just like any other allergy symptom. That is why it’s so important to really do some investigation into your home, look for areas of moisture, and get your home inspected if you suspect mold is the culprit. Don’t forget to follow us on Facebook for more!

mold in attic

Preventing Mold in your Attic

Preventing mold growth and proliferation in your attic is a simple task if the proper time and effort is put into the process. There are two different things that you should check to ensure that your attic is as protected as it can be.

Roof: Check your roof for leaks; some are easy to spot with marked discoloration of the insulation and warping accompanied by discoloration of wood.  Any place that two materials meet such as roof valleys, skylights, chimneys, windows etc. are all susceptible to leaking if not properly joined or sealed. Check around the perimeter of each in your attic and look for signs of leaking. If you find any leaks, take immediate action to handle the situation.

Ventilation: Poor ventilation can cause a moisture problem especially due to two of the most common culprits: improper vapor barrier installation and insulation covering vents. As moisture travels up to the attic from normal everyday activities of cooking and taking showers, it needs to be able to escape. Proper ventilation allows the moisture to escape quickly and not settle in the attic.

Taking the time to do a thorough check of your attics roof and vents is definitely worth it in the long run. If you don’t feel comfortable checking the attic, or find signs of mold growth that you’re not sure how to handle, contact an expert. The sooner that you handle moisture issues or combat existing mold issues the better!

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.