You’ve got home insurance, so you’re all covered, right? But is your home covered for mold? Mold sounds scary, but it shows up often and is usually harmless. However, whether you’re covered for it is usually due to the wording of your policy.<\/p>
The issues with mold usually arise when areas of unchecked moisture have allowed mold to thrive. Moisture can result from something as simple as a leaky roof or dishwasher to something as drastic as flooding.<\/p>
So are you covered?<\/strong><\/p> That often comes down to the source of the moisture and whether the proprietor is at fault. If you’re unsure what your policy says on the matter, take some time to read the language. Look out especially for mold as a result of water damage. Look for mold exclusions or limitations. Call us if the wording is unclear.<\/p> Most basic insurance policies will provide coverage for mold and fungi, but with all types of policies, it’s better to be safe than sorry. In most cases, remediation will be covered for mold as a result of something sudden like a burst pipe. If mold is a by-product of neglect, this is something the homeowner may have to fork out money for themselves. Most policies also don’t cover flooding damage, so you may have to opt in for an additional flood protection premium.<\/p> If you’re unsure whether you need to update your policy or change it, give us a call. We’d be happy to help you find the right policy for you.<\/p>","protected":false},"featured_media":0,"template":"","meta":{"_acf_changed":false,"_links_to":"","_links_to_target":""},"article_category":[37],"class_list":["post-23761","articles","type-articles","status-publish","hentry","article_category-insurance-personal-lines"],"acf":[],"_links":{"self":[{"href":"https:\/\/getreadynewsletters.com\/members\/wp-json\/wp\/v2\/articles\/23761","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/getreadynewsletters.com\/members\/wp-json\/wp\/v2\/articles"}],"about":[{"href":"https:\/\/getreadynewsletters.com\/members\/wp-json\/wp\/v2\/types\/articles"}],"wp:attachment":[{"href":"https:\/\/getreadynewsletters.com\/members\/wp-json\/wp\/v2\/media?parent=23761"}],"wp:term":[{"taxonomy":"article_category","embeddable":true,"href":"https:\/\/getreadynewsletters.com\/members\/wp-json\/wp\/v2\/article_category?post=23761"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}