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Mold damage is one of the many headaches homeowners face. Mold damage may be covered by home insurance policies if it is the result of a sudden peril, and not the result of long-term neglect. Homeowners need to prevent mold in their homes because the most common types of mold damage are not covered by insurance. Preventing mold growth in your home benefits the overall health of everyone who lives in the home, as well as the structure itself.
Molds are microorganisms, really tiny organisms you don’t notice unless you know where to look and also look hard. They belong to a family called Fungi; they could appear as furry growths, black stains, or specks of black, white, orange, and purple.
Molds are characterized as being very adaptive; these organisms can survive pretty much anywhere as long as there is moisture. Molds are not always bad; they are useful as decomposers in the environment, destroying organic materials like leaves. They become harmful when they gain access to your home because they not only affect your furniture, wood products, and fabric; they can also inflict a great deal of harm on your health.
Mildew is similar to mold, but mildew is a fungus that appears on the surface level of something that has gotten wet, while mold typically develops underneath the surface of something that has gotten wet. The visual appearance of mildew is usually white, yellow, or gray and might seem powdery. Mold on the other hand is usually black or green, or sometimes pink, and has a texture that is more slimy than powdery. Yuck.
Mold can make you prone to different respiratory diseases and expose you to eye, nose, and throat infections, and are even more dangerous in homes with infants or elderly people. These organisms are better off outdoors.
Due to the adaptive nature of these organisms, it is much better to install preventive measures because once they are in; getting them out can be a huge struggle. Here are some basic but effective ways to prevent mold.
These are just some of the preventive measures you can take to avoid recurring mold damage in your home.
NOTE: Do not make use of a detergent that has ammonia in it. Ammonia can be useful in cleaning molds from hard and impervious surfaces like tiles and glass but ineffective when it comes to porous materials like wood or drywall. What’s more, ammonia is highly toxic.
Getting rid of mold is a very rigorous chore. Preventing mold from growing is the safest option. Ensure you follow all the preventive measure guidelines listed above when dealing with mold in your home to avoid risks to your health and the risk of recurrent mold.
Doing it yourself may be cheaper in the short-term IF you can completely eliminate the mold in your home. Mold is incredibly tricky to get rid of because mold spores are microscopic. Often it is best to call a professional if you find large patches of mold (bigger than your hand) or you have an auto-immune disease or compromised respiratory system. Some people have allergic reactions to mold, and mold has been linked to inducing asthma in children. If you are concerned about the health of your family it’s best to error on the side of caution and contact a professional mold remediation team.
Many homeowners are at a loss when it comes to mold and their home insurance policy. The important thing to remember about home insurance is that it is there to protect you from sudden accidents that you couldn’t foresee. Unfortunately, mold is rarely a sudden accident and usually progresses over time because a home’s humidity level is left unregulated. Controlling your home’s humidity level is an important part of homeownership.
Your insurance carrier would only cover your mold damage claims if the cause of the mold is a peril that is already covered in your home owner’s policy.
Example 1: Water damage caused by sudden and accidental incident you definitely could not have foreseen begins causing mold growth before you can initiate remediation.
Example 2: Accidents such as a kitchen fire occurred and water used by firefighters caused molds to grow. During these kinds of situations, your insurance carriers would cover the mold damage in addition to the fire remediation.
Mold damage would only lead to a property insurance claim if it was caused by an event similar to one of these examples and is considered a sudden accident. Mold damage caused as a result of your negligence would not be covered by insurance so take precautions to prevent mold and be careful when dealing with mold in your home to ensure it never returns.Filed Under: Homeownership, Insurance Claims, Temporary Housing | Tagged With: dealing with mold, homeownership, mold remediation, property insurance