Moisture causing mold in house

Mold, Moisture and your home

With the variety of issues facing the environment in 2016 from air pollution to mold many feel as though there is nothing they can do that matters enough. We can clean up all of the messes after they’ve happened, but more importantly it’s what we do to prevent them that create an impact.  Mold and Moisture continue to be one of the leading issues faced in the environment, and the key to changing this problem is prevention.

The EPA has released a guide for homeowners and renters alike which provides information on how to clean up residential mold and how to prevent mold growth. This 20 page guide is easy to read, provides pictures to refer to and provides additional resources for those who wish to learn more.  If you are a homeowner, property owner or renter, we suggest you download and read the guide here: A Brief Guide to Mold, Moisture, and Your Home.

Prevention truly is important when dealing with mold and the more information that you know, the better!  Our blog includes past articles such as Preventing Mold in Your Attic and Controlling Mold in your Bathroom which are two areas very susceptible to mold issues.

Like all issues facing the environment, we know that taking steps to prevent them is what matters. If you do your part to prevent mold growth, you are part of the movement to help reduce the number of people affected with health related issues due to mold and decrease mold problems in homes. Get ahead of the issue now by reading the guide as well as our blog posts and then get to work!

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!