Mold Removal – Eliminate the Health Hazard from Your Home Whether or Not Your Homeowners Insurance Covers This!

Rampant mold complaints in New York can be attributed to the city’s humid and warm temperature. This problem grows by manifolds, especially after hurricanes. For example, authorities received the highest number of complaints in a single month regarding this issue in 2021 after Hurricane Ida’s landfall. Most of them belonged to rental properties. The number of total grievances received in the middle of the year 2023 was already on the higher side than in 2022. It signals that mold is a widespread issue; you are not alone. But tackling it is crucial for your health’s safety.

• Health consequences of mold

A home infested with mold can affect family members with itchy skin, sneezing, asthma, running nose, sore throat, and coughing. Typically, symptoms are intense during mornings and evenings. They can aggravate during weekends due to prolonged exposure. The property will also bear the brunt of the untreated mold. After leaving the area like that for some time, a stage will come when you decide to eliminate it yourself. Scrubbing can seem the best method, but it will dent your home’s aesthetics and structure. How do you avoid all this mess? Call a restoration company for assistance. Some companies help with recovering insurance coverage, making your expenses affordable. If you have a homeowner’s policy, you may wonder whether this cost will be covered. Let’s find an answer to this.

• Mold elimination 

Sometimes, people delay removal services thinking about the cost because they don’t know whether their insurer will pay for it. Let’s address this concern. Does homeowners insurance cover mold? It depends on the coverage terms and conditions of your policy. Suppose your insurance policy covers water damage. Then, you can claim the amount for mold. However, the sources of water damage also matter, such as broken water heater, fire breakout in the kitchen, broken washing machine, etc. All these situations can promote the growth despite drying out the areas because of hidden moisture. You may not get compensation if mold results from poor home upkeep. Think of leaking water from faucets and showers. Even the issue arising from a natural disaster like flooding may not qualify for a claim. 

Another thing you must consider is the cost of damage restoration. While it depends on multiple factors, the average removal cost can be anywhere from USD $15-30k. Your policy may only pay part of the amount due to a pre-determined limit suggested in the fine print. Please read it to calculate the payout. The incident of water damage from a burst pipe or so should be adequately recorded with photo evidence and other necessary details. If you hire a water damage restoration company that has a good rapport with insurance companies, a lot of your stress related to removal payout will be gone.

Do you see mold on the walls of your house? Wetness and moisture are the culprits. Ventilate the area by opening windows and switching on a fan. It will check the growth. However, please don’t give in to the temptation of cleaning it yourself. It can be hazardous for your and your home’s health.

Joshua White is a passionate and experienced website article writer with a keen eye for detail and a knack for crafting engaging content. With a background in journalism and digital marketing, Joshua brings a unique perspective to his writing, ensuring that each piece resonates with readers. His dedication to delivering high-quality, informative, and captivating articles has earned him a reputation for excellence in the industry. When he’s not writing, Joshua enjoys exploring new topics and staying up-to-date with the latest trends in content creation.

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