Recent Mold Remediation Posts

Is Mold Remediation Covered by Homeowners Insurance?

5/2/2018 (Permalink)

Mold Remediation Is Mold Remediation Covered by Homeowners Insurance? Think you have mold? SERVPRO of Rockwall/Rowlett will work with your insurance company to determine coverage. Call us today! 214-607-1900

Homeowners insurance covers mold damage if it was caused by a "covered peril." Otherwise, an insurance company will likely not cover mold damage. There are exceptions, which we will get into later. Homeowners insurance policies usually don't cover mold that resulted from a preventable water leak, flooding, or high humidity.

Homeowners insurance covers mold if a "covered peril" caused the mold. In that case, your  insurance policy will likely pay for repairs and clean-up.

Here are some of homeowners insurance covered perils:

  • Fire
  • Lightning
  • Vandalism or malicious mischief
  • Damage caused by vehicles
  • Theft
  • Falling objects
  • Weight of ice, snow, or sleet
  • Accidental discharge or overflow of water or steam from plumbing, heating, air conditioners, sprinkler systems, or household appliances
  • Frozen pipes

Let's take a look at some real world examples. When homeowners insurance will likely cover you:

  • An ice dam forms in a roof gutter during a rough winter and water backs up under your shingles. The water leaks into your attic, soaks your attic floor and insulation, and creates mold.
  • A pipe bursts in your home and dumps gallons of water on the floor and saturates drywall while you're at work. Mold begins to form before you call.
  • A washer hose springs a leak and damages behind your washer. The washer hose isn't old, you stop the leak, and report the damage immediately, but not before mold forms.

These are "sudden and accidental" incidents. Insurance companies typically cover this type of damage. In fact, non-weather related water damage is one of the most common home insurance claims and one of the most expensive.

When homeowners insurance will likely NOT cover you:

Your basement pipes freeze and burst. You don't notice it for a few weeks. Now, you have a few inches of water on your floor and mold growing. 

Broken shingles on your 40-year-old roof allows water into the attic. Water saturates wood and insulation and leads to mold in the attic.

Mold forms in your shower. You don't think much about it until one day you notice that it's really unsightly and you're concerned about whether it's making your family sick.

In these cases, an insurer will likely not cover the damage. Why? An insurance company expects you to take care of your house. That means properly ventilating the bathroom, replacing an old roof, and checking your basement regularly.  An important reason to stay on top of home maintenance.

Also, the standard homeowners insurance policy does not cover water damage caused by a flood.  Thus if a flood causes water damage that leads to mold, the resulting mold issue would not be covered by your home policy. 

A separate flood policy, may cover mold and mildew, as long as it’s not caused by the homeowner’s failure to inspect and maintain the property after the flood.  That means, once you can get back into your home, you need to start trying to clean up and keep mold from growing or spreading. 

How do I know if my homeowner insurance policy covers mold?

As mentioned earlier, homeowners insurance companies usually don't cover mold damage unless it's directly related to a "covered peril." The good news -- there are exceptions.

Check your homeowners insurance policy to see if there is any language about mold claims. Some insurers offer limited coverage for mold claims. This may mean limiting how much the insurer will pay for a mold-related claim. Or an insurer may increase the cost of a home insurance policy if you have mold-related coverage.

If you don't have mold coverage, you can buy an endorsement to your insurance policy that adds mold coverage. An endorsement is when an insurance company adds additional coverage to a regular home insurance policy, for an additional fee.

Mold can spread through a home in less than 48 hours!

12/13/2017 (Permalink)

Mold Remediation Mold can spread through a home in less than 48 hours! Mold spores in a residential property

Microscopic mold spores naturally occur almost everywhere, both outdoors and indoors. This makes it impossible to remove all mold from a home or business. Therefore, mold remediation reduces the mold spore count back to its natural or baseline level. Some restoration businesses advertise “mold removal” and even guarantee to remove all mold, which is a fallacy. Consider the following mold facts:

  • Mold is present almost everywhere, indoors and outdoors.
  • Mold spores are microscopic and float along in the air and may enter your home through windows, doors, or AC/heating systems or even hitch a ride indoors on your clothing or a pet.
  • Mold spores thrive on moisture. Mold spores can quickly grow into colonies when exposed to water. These colonies may produce allergens and irritants.
  • Before mold remediation can begin, any sources of water or moisture must be addressed. Otherwise, the mold may return.
  • Mold often produces a strong, musty odor and can lead you to possible mold problem areas.
  • Even higher-than-normal indoor humidity can support mold growth. Keep indoor humidity below 45 percent.

If your home or business has a mold problem, we can inspect and assess your property and use our specialized training, equipment, and expertise to remediate your mold infestation.

If You See Signs of Mold, Call Us Today – 214-607-1900

Mold can spread through a home in as little as 48 hours!

12/7/2016 (Permalink)

Mold Remediation Mold can spread through a home in as little as 48 hours! Mold Growth in bathroom behind cabinets

Microscopic mold spores naturally occur almost everywhere, both outdoors and indoors. This makes it impossible to remove all mold from a home or business. Therefore, mold remediation reduces the mold spore count back to its natural or baseline level. Some restoration businesses advertise “mold removal” and even guarantee to remove all mold, which is a fallacy. Consider the following mold facts:

  • Mold is present almost everywhere, indoors and outdoors.
  • Mold spores are microscopic and float along in the air and may enter your home through windows, doors, or AC/heating systems or even hitch a ride indoors on your clothing or a pet.
  • Mold spores thrive on moisture. Mold spores can quickly grow into colonies when exposed to water. These colonies may produce allergens and irritants.
  • Before mold remediation can begin, any sources of water or moisture must be addressed. Otherwise, the mold may return.
  • Mold often produces a strong, musty odor and can lead you to possible mold problem areas.
  • Even higher-than-normal indoor humidity can support mold growth. Keep indoor humidity below 45 percent.

 

If your home or business has a mold problem, we can inspect and assess your property and use our specialized training, equipment, and expertise to remediate your mold infestation.

If You See Signs of Mold, Call Us Today – 214-607-1900

RECENT RAINS INCREASE DEMAND FOR MOLD EXPERTS

8/3/2015 (Permalink)

Mold Remediation RECENT RAINS INCREASE DEMAND FOR MOLD EXPERTS Insulation inundated with mold spores.

The Rockwall/Rowlett area, along with the rest of North Texas, witnessed record rainfall amounts, bringing an end to a drought that had nearly dried up all the lake overflows in the area.  With rainfall amounts reaching  totals of 30+ inches for the month of May alone, many North Texas homes and businesses were impacted by rising flood waters and leaky roofs.

SERVPRO of Rockwall/Rowlett was on the scene to quickly handle water mitigation and flood cleanup for those whom called us onsite.  However, many home and business owners opted to clean up the debris and dry their homes on their own, and unfortunately, those owners are now dealing with a much more serious mold issue.

SERVRPO of Rockwall/Rowlett is certified by the State of Texas for Mold Remediation.  Here are some tips and pointers if you suspect growth:

1. Do not take for granted any unusual growth.  Mold takes on many shapes, forms, and colors.

2. Try to determine or recall what the source might be.  Is it an unknown water leak?  From a previous, un-mitigated water damage?

3. Do some inspecting.  Is there more than 25sf?  Call an Industrial Hygienist.  All growth over 25sf must be reported to the state and follow protocol before, during, and after remediation.

4. Never take growth for granted.  If you suspect you have mold.  Call SERVPRO of Rockwall/Rowlett.  We can and will help you with any size project, no matter how big or small.