SERVPRO Provides a Steady Hand to Pottsville Homeowners for Mold Cleanup

3/24/2019 (Permalink)

Pottsville Property Often Need Mold Cleanup and Remediation--Trust a Leader in the Industry--SERVPRO

Does Insurance Usually Cover Mold Remediation in Pottsville?

Mold can grow in any home in any part of Pennsylvania. The spores that produce fungal growth exist in most parts of the world.

In Pottsville, mold and fungus growth are generally not covered in a homeowner’s insurance policy. If a home has a history of mold issues, mold coverage may be impossible to get. Part of the reason mold insurance is so rare is because of the level of damage this spore can do to a home. Not only can it be destructive, but it is also costly to remove. If you notice any signs of mold, it’s best to work with mold removal experts as soon as possible to help mitigate the damage done to your house.

Depends on the Damage Source

Some policies cover mold caused by certain water sources. For example, sudden catastrophes, such as burst pipes or sewer backups, are more likely to be covered than lingering maintenance issues. However, fast action to mitigate the water damage is needed not to break your part of the agreement with your insurer. SERVPRO can respond quickly to any water or mold issue. There are policies that put a small limit on the liability to repair, usually only about $5 to 20 thousand dollars. This may be just a drop in the bucket for the actual cost of a mold remediation project.

Your mold coverage likely will not include the following sources of water damage:

Continuous faucet leaks, ignored by the homeowner
Drainage problems in the yard, exterior issue
Condensation buildup from lack of proper ventilation
Flood waters

Because coverage can depend on how the mold was caused, it is critical for the full discovery of the source. SERVPRO provides AMRT applied microbial remediation technicians to mitigate the mold damage, but an outside, independent source should provide an official inspection report if required by your carrier.

Review Your Policy Regularly

Insurance policies can change as the years go by. Many providers choose to reword their coverage for fungus growth because this problem can spread so quickly in homes and lead to huge claims. To best understand your policy, you need to review it annually.

Look for a Change in Policy

You may be able to revise your coverage to get protection from the damage mold, and fungus growth can do to your home. Some insurance providers may have a mold cap, which would limit the amount of mold coverage or the items the coverage pays for. Other providers may allow you to pay a higher premium for limited coverage related to mold.

For professional help in removing, with never a guarantee of eliminating all the mold damage and organisms from your property, consider SERVPRO of Pottsville. (570) 622-8991.

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