Mold and Water Damage
Water, when filling our oceans, swimming pools, or parched mouths, can be our best friend. But when it seeps into our homes, good old H2O turns into a slippery enemy. Depending on the source, home insurance coverage can offer protection.
Does homeowners insurance cover mold and water damage?
Homeowners insurance may cover repairs for mold and water damage, but it depends on the source. For instance, you could be reimbursed if mold or water damage is caused by a plumbing issue or brutal weather. However, damage caused by flooding wouldn't be covered because standard homeowners policies don't include floods, nor do they extend to long-term neglect.
Dealing with mold
One of the worst byproducts of water damage can be mold. Besides being potentially hazardous for your health and just plain gross, mold can reduce your home's value by discoloring the walls or ceiling, rotting wood or ductwork, or creating a foul odor.
Luckily, you needn't rely only on your insurance. There are plenty of ways to prevent mold growth on your own.
How to prevent mold
According to the Environmental Protection Agency, mold spores flat out cannot grow without moisture. Here are some mold prevention tips to keep your pad dry and fungus at bay:
- Dry any spills or leaks within 48 hours
- Clean gutters frequently
- Keep indoor humidity below 60 percent (if you use a humidifier)
- Activate bathroom vent or open a window while showering
- Vent appliances that produce moisture (stove, dryer, etc.) and use fans when necessary
- Insulate cold surfaces
- Avoid wall-to-wall carpeting if possible
- Don't store paper products or clothing in humid areas
- Clean fridge drip pans regularly
- Ensure rainwater flows away from the house
How to spot mold
Sometimes even if mildew has entered your home, it's not obvious. Here are a few tricks on how to spot mold:
- Check for an earthy or musty odor
- Angle a flashlight at the wall to reveal color contrast
- Look behind shelves and dressers, or anywhere the air is cold and not ventilated
- Pat pillows with a spatula to see what dust comes up
- Check surfaces for a slick or slimy feel
SERVPRO of Oldham / Shelby County has the training and expertise to remediate the mold in your home or business.