Understanding Your Tempe Homeowner's Policy And Mold Remediation

3/31/2021 (Permalink)

Contact SERVPRO of North Tempe (480) 456-0000 if you have questions about mold remediation

Most homeowners do their best to ensure that mold never becomes a problem in their home. Unfortunately, some homeowners are unaware of what causes mold and how they can be proactive in preventing fungus growth. If you’re afraid that you may have mold damage in your Tempe home, you’re probably wondering if your homeowner’s insurance will cover the cost of mold remediation.

Below is some information to help you understand if your insurance may cover the damage.

Sudden and Accidental Events

While you likely don’t have a separate mold insurance policy, your insurance will cover mold cleanup costs if they are caused by sudden and accidental events such as the following:

Hurricane

Fire

Accidental water from burst pipes

Insurance companies need to know that the incident could not be prevented. A specific example of a covered peril is when a new hose behind your washing machine bursts and you’re gone on a business trip or vacation. You return home after a week and find the water and fungus growth. This is an example that shows there was no negligence on your part.

Lack of Maintenance

Now that you understand some instances that justify mold coverage, it’s helpful to know when black mold cleanup would not be covered by insurance. First, remember that an insurance company will only cover sudden and accidental perils. If you’ve noticed black mold slowly growing in your shower and after weeks or months start to worry that it may be causing health effects, your insurance will likely not cover the repair costs. Why? Because insurance companies expect homeowners to properly maintain their home. This includes properly venting bathrooms, maintaining caulking around windows and ensuring that water flows away from the home.

Fungus growth and mold can be prevented by properly maintaining your home. In the unfortunate event of sudden and accidental perils, your homeowner’s insurance will likely cover the mold remediation costs. Contact SERVPRO of North Tempe (480) 456-0000 to ensure your home is cleaned correctly.

SERVPRO of North Tempe specializes in mold cleanup and restoration, in fact, it’s a cornerstone of our business. Our crews are highly trained restoration professionals that use specialized equipment and techniques to properly remediate your mold problem quickly and safely.

Our Technicians Have The Right Training

SERVPRO of North Tempe is an IICRC firm. The Institute of Inspection, Cleaning and Restoration Certification (IICRC) creates the standards for the restoration industry and provides training and certification to restoration companies. IICRC Certified Firms have the right to display the IICRC Certified Logo.

If you suspect mold in your home, call SERVPRO of North Tempe to assess the situation. We have the knowledge, tools and track record to effectively remediate mold in your home or business.

If you suspect mold, call us today at (480) 456-0000.