A Lesson in Property Insurance Coverage Regarding Mold
by Raul on Jun.22, 2010, under Mold, Water Damage
Utah is like many states. Many insurance companies don’t cover mold, but do cover water damage as long as it is related to a covered event. This more often than not leads to a dilemma. Mold comes from dampness and time, and is often a direct result of unresolved flood or water damage. So just where do you draw the line? Where does water damage end, and mold begin? If everything is dry, but there is mold, plus there is no dampness, so in the mind of the insurance company, there is no mitigation needed. The mold is an issue of course, and there may be swollen, weakened, disfigured or stained materials. If there was a covered water damage event, all of the damage is potentially covered, aside from the mold; assuming, of course, the mold is excluded from the insurance policy.
The lesson of the day, of course, is to act on a water damage event quickly and dry everything as quickly as possible.
If there is mold present, and materials are wet from a recent covered event, it is advised that you consult a mold professional; there are plenty of options available.
June 26th, 2010 on 3:26 am
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June 26th, 2010 on 3:54 am
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