• Menu
  • Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

Before Header

Test

HNST Mold Inspections

New York / New Jersey Mold Inspections

Header Right

845-215-9258
New York

201-733-0091
New Jersey

8a - 8p
Mon - Sat

(845)215-9258

(201)733-0091

  • Home
  • MOLD INFORMATION
    • New York State Mold Law
    • Black Mold
    • Health Concerns and Mold Testing
    • Reasons To Test For Mold
    • Mold Myths
  • SERVICES
    • Mold Testing
    • Mold Inspections
    • Asbestos Testing
    • HVAC/AC Inspections
    • Environmental Relative Moldiness Index Testing
    • Mycotoxin Testing
    • VOC/Odor, Formaldehyde and Indoor Air Quality Testing
    • Allergen Testing
    • Water Damage Assessment
    • Lead Testing
  • TESTIMONIALS
    • Our Google Reviews
    • Our Angi Reviews
  • BLOG
  • ABOUT US
  • CONTACT
  • Home
  • MOLD INFORMATION
    • New York State Mold Law
    • Black Mold
    • Health Concerns and Mold Testing
    • Reasons To Test For Mold
    • Mold Myths
  • SERVICES
    • Mold Testing
    • Mold Inspections
    • Asbestos Testing
    • HVAC/AC Inspections
    • Environmental Relative Moldiness Index Testing
    • Mycotoxin Testing
    • VOC/Odor, Formaldehyde and Indoor Air Quality Testing
    • Allergen Testing
    • Water Damage Assessment
    • Lead Testing
  • TESTIMONIALS
    • Our Google Reviews
    • Our Angi Reviews
  • BLOG
  • ABOUT US
  • CONTACT
Protect your home from rainy season

Black Mold and Insurance Claims

Mold in Home
Mold in Home

October 12, 2016 //  by John Skelly

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!

Category: UncategorizedTag: Black Mold, Homeowners Insurance, Mold Assessor NJ, Mold Removal NJ

Previous Post: «Immune System Exposing young Children to bacteria
Next Post: Mold, Moisture and your home Moisture causing mold in house»

Primary Sidebar

Company Information

New York (845)-215-9258

New Jersey (201)-733-0091

NYSDOL Mold Assessor License #00077

EPA & NYS ASBESTOS INSPECTOR #18-43643

NYS ASBESTOS HANDLING LICENSE #216862

EPA LEAD INSPECTOR #LBP-I-I214131-1

COUNCIL-CERTIFIED INDOOR ENVIRONMENTAL CONSULTANT #2205013

Recent Posts

  • 5 Signs You Need a Professional Mold Inspection
  • What Are the Benefits of Mold Inspections?
  • The Warning Signs of Asbestos in Your Home
  • Should I Get a Mold Inspection When Buying a New Home?
  • 5 Signs That Tell You It’s Time to Get a Mold Inspection

Copyright © 2023 · Mai Law Pro on Genesis Framework · WordPress · Log in