Property Damage Coverage

Coverage in Case of Mold Damage to Your Property

Homeowner, commercial property owner and renter property policies differ in kind and in scope from insurer to insurer. So whether mold contamination is covered under your policy will depend on the specific policy language and the cause/causes of the mold contamination. Read your policy carefully. Some property policies are "specified peril" policies, which may cover mold contamination if you can prove that it is caused by one of the listed "perils" or causes. Some property policies are "all-risk" policies, which may cover mold contamination unless the insurer can prove that the cause(s) or the mold contamination itself is excluded in the policy. All Green Air LLC provides the most exhaustive investigation of the property to verify the exact cause of water damage to assist you further in your claim.

Most property policies have a long list of exclusions for damage caused by mold, corrosion, dry or wet rot, wear and tear, pollution, deterioration, faulty workmanship and materials, construction defect, and the like. In several states, like California and Texas – in response to insurers threatening to boycott coverage for water damage, as well as mold contamination coverage – insurance regulators are developing rules to permit insurers to provide minimum mold contamination coverage, e.g., $5,000 property limits, unless the policyholder buys more expensive coverage separately. Check your policy after it has been renewed to see if mold coverage limitations have been inserted.

Your insurance company may cover the additional cost to remediate the mold contamination, whenever mold contamination develops as a secondary or "ensuing" problem from water damage that is covered.

As per a rule, most insurers attempt to exclude coverage for mold contamination like long-term leakage, moisture or water intrusion from a construction defect, wear and tear, deferred maintenance or poor repairs. Most insurers will acknowledge coverage for mold contamination like accidental discharge of a closed plumbing system–as long as you take valid steps to protect and repair the property after you discover the damage. Accordingly, never speculate or guess about the cause(s) of the mold contamination. Wait until all the investigation is completed before you acknowledge or agree as to the cause(s) of the loss with your insurance company. All Green Air will provide you all the proper information to determine the source and/or cause of the water damage.

Once you determine that you have a covered loss, be sure to go down the list of all the coverage’s in your declarations page, including additional living expense (if you have to move out during repairs), and make sure that you explore all the benefits you are entitled to.

For a FREE consultation on any of your mold issues, contact All Green Air today by calling (877) 654-9266.