{"id":2161,"date":"2022-05-16T08:14:32","date_gmt":"2022-05-16T13:14:32","guid":{"rendered":"https:\/\/www.policyadvocate.com\/?p=1428"},"modified":"2022-05-16T08:14:32","modified_gmt":"2022-05-16T13:14:32","slug":"is-mold-damage-coverage-automatically-included-in-my-homeowners-insurance-policy","status":"publish","type":"post","link":"https:\/\/fire.h50.us\/~morganpolicy\/blog\/is-mold-damage-coverage-automatically-included-in-my-homeowners-insurance-policy\/","title":{"rendered":"Is Mold Damage Coverage Automatically Included in My Homeowner\u2019s Insurance Policy?"},"content":{"rendered":"

At The Morgan Law Group P.A.<\/u><\/a>, our Florida<\/u><\/a>, Louisiana<\/u><\/a>, Mississippi<\/u><\/a>, and Puerto Rico<\/u><\/a>\u00a0insurance claims attorneys<\/u>\u00a0know just how damaging \u2014 and expensive \u2014 mold<\/u><\/a>\u00a0can be once it infiltrates a home<\/u><\/a>.<\/p>\n

Unfortunately, mold removal is only covered by homeowners\u2019 insurance policies when the source of the mold is a peril already covered in the policy, like water damage<\/u><\/a>.<\/p>\n

However, standard homeowners\u2019 insurance policies typically only protect their coverage holder from water damage caused by sudden and accidental incidents, like a burst pipe or malfunctioning water heater.<\/p>\n

The problem becomes, most people \u2014 especially those who have a secondary residence where they split their time \u2014 do not know they have a mold problem until it has spread drastically throughout their home.<\/p>\n

Here are a few examples of covered perils, how to avoid needing to file a mold damage claim, and what to do if your homeowners\u2019 insurance company denies your claim.<\/p>\n

When Is Mold Damage Caused by a \u201cCovered Peril?\u201d<\/b><\/strong><\/h2>\n

Some of the most common types of mold issues identified as \u201cresulting damage from covered perils\u201d may include:<\/p>\n

    \n
  • Water damage caused by a burst water heater.<\/li>\n
  • Water leaks associated with a malfunctioning appliance, like an A\/C unit.<\/li>\n
  • Water damage caused by fire sprinklers, or firefighters extinguishing flames in the home.<\/li>\n<\/ul>\n

    Mold damage that is the result of storm surges, hurricanes<\/u><\/a>, floodwaters, or other natural acts is typically not covered by homeowners\u2019 insurance policies. Mold damage caused by flooding<\/u><\/a>\u00a0would need to be covered by a separate flood insurance policy.<\/p>\n

    In addition, mold damage caused by homeowner negligence \u2014 like failing to fix leaking pipes or replacing damaged windows or appliances that allow moisture in \u2014 is typically not covered by homeowners\u2019 insurance policies at all.<\/p>\n

    How Can I Avoid Filing a Mold Claim?<\/b><\/strong><\/h2>\n

    Since mold is not automatically guaranteed by all homeowners\u2019 insurance policies, taking proper preventative measures can help minimize these types of claims.<\/p>\n

    That may include:<\/p>\n

      \n
    • Frequently inspecting roofs, windows, gutters, and doors to quickly identify damage or cracks.<\/li>\n
    • Installing dehumidifiers or ventilation in areas that are prone to dampness.<\/li>\n
    • Properly insulate interior and exterior pipes in colder months to avoid breakages or leaks.<\/li>\n
    • Regularly checking plumbing pipes and fittings for damage or leaks.<\/li>\n
    • Routinely check appliances, A\/C units, and water heaters for signs of leaks.<\/li>\n<\/ul>\n

      Contact The Morgan Law Group Today To Schedule a Free Consultation<\/b><\/strong><\/h2>\n

      At The Morgan Law Group, our insurance claims attorneys believe that if you pay for insurance coverage, it should be there when you need it.<\/p>\n

      If the insurance company delays, undervalues or denies your claim, contact<\/a>\u00a0our experienced\u00a0insurance claims attorneys in Florida<\/a>, Mississippi, Louisiana, and Puerto Rico at (844) 818-0774<\/a> to schedule a free consultation and learn how we can help you pursue the outcome you deserve from your insurance policy.<\/p>\n