Learn if Homeowner Insurance Covers Mold Damage

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Sugar Land Premier Roofing wants to help you learn if homeowner insurance covers mold damage. At SLPR we are not here just to repair your roof, we are here to help educate you on your home. Removing mold and fungus from your roof can be a complex and expensive process. So, if you think that mold has infested your roof or home, the first thing you should do is to check your insurance coverage to file a claim or get mold removal treatment by paying out of pocket. To prevent further issues such as structural damage, you need to clean up mold from your roof and home as soon as possible. 


Homeowner’s Insurance and Mold Coverage

Most homeowners’ insurance providers have started excluding mold coverage in their policies after dealing with innumerable mold claims in the 1990s. So, make sure to check the following aspects of your policy before claiming for mold remediation/cleanup.  


Exclusion Caps/Limits

In general, mold is considered secondary damage resulting from water damage which falls under primary damage. Water intrusion, when left unattended, usually leads to mold growth. For this reason, insurance providers generally exclude mold removal. However, if your initial damage is covered, you may still get limited coverage. However, in this case, you might have to prove that you have taken all the steps you can to repair or fix the primary damage. 


How to Add Mold Coverage to Your Policy? 

A supplementary policy in the form of rider or endorsement may be used to reverse fungus growth exclusions to some extent from your primary policy. On average, the cost of mold remediation in residential buildings can be around $6,000. 


Reduce Out-Of-Pocket Expenses with Mold Insurance

In most cases, insurance companies do not provide full coverage for mold removal, which in turn, puts an extra burden on the homeowner. A better way is to file a large claim for the primary damage such as water infiltration. Since water damage is usually covered by insurance policies, the risk of paying out of pocket for mold removal can be reduced significantly. 

As a responsible homeowner, make sure to thoroughly examine your insurance policy to determine if mold growth is adequately covered. You can use the endorsement to include fungus growth that can help you avoid all or some of the out-of-pocket expenses required for mold cleanup. 

As soon as you discover mold growth or any other microbial growth in your home, it is necessary to take immediate action. If left unchecked, things can go out of control pretty quickly. Almost all types of fungus and mold take as little as 48 hours to spread to most areas of your home. So, delaying can complicate the restoration and cleanup process, leading to exorbitant costs and further damage to your home's structure.

Fortunately, there are some simple steps you can take immediately to control and stop the damage. The spread of microscopic mold can be controlled by closing the windows, reducing the airflow, and turning off your HVAC system. These steps will help contain the damage until professionals have arrived and examined the situation. 


Mold growth and Moisture Issues

Most types of mold, including black mold, grow and spread in a moist environment. This means, if your home has mold issues, the underlying cause might be excess moisture in the home. That's why, for long-term permanent relief, you need to address the moisture issue first.

Some of the common causes of excess moisture in your home are:

  • A leaky roof
  • A damp basement
  • Defective appliances
  • Condensation issues
  • Dripping faucets 
  • A damaged toilet

When it comes to mold removal, it pays to act fast. Get in touch with a skilled roofing contractor and a mold remediation company as soon as possible. Their trained and experienced professionals can help you get rid of mold and the sources of moisture problems.


Mold growth and Structure Problems

Not only can black mold ruin the aesthetic appeal of your property, but it can also damage the upholstery, drywall, and other structures and possessions. By acting quickly, you can effectively prevent structural damage to your property. Mold can also penetrate porous surfaces that can be extremely hard to remove. In such cases, homeowners have to replace their ceiling materials, carpeting, and drywall. 

A timely response by mold removal professionals can help eradicate mold colonies from your home. Once the mold has been successfully removed from every part of your home, we will disinfect the entire surface to prevent such issues from occurring in the future. To learn more about our services, give Sugar Land Premier Roofing a call at 823-280-1615 and schedule a FREE consultation today in Sugar Land, Houston, or Pearland, Texas.

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