In this Article, We Are Going to Know Guide to Mold Damage Property Claim Lawyer
When claiming for mold damage against your Insurance, most of the individuals forget to consider the options stated in the policy for claiming for mold damage. Regardless of what is the cause of the water damage on your property; be it damages due to flooding, leaking or bursting of pipes, damages caused by a storm, leaking of appliances, or any other form of water damage. You must always look out for the growth of the mold. There are various types of water damages which result in the growth of the mold. Understanding the difference between each cause will make the difference in your insurance claim for Mold Damage Property Claim.
The most common causes of water damage are:
- Sewer backup into the house
- Storm-related damages
- Roof leakages
- Broken and leaking plumbing pipes into the walls
The causes, as mentioned earlier, can cause the growth of mold in different areas of the house. In some instances, as a homeowner, you may not even realize that your home is a breeding ground for the molds until you see severe water damage and extensive presence of mold spreading rapidly. Not all causes of water damage are covered when it comes to claiming Insurance for Mold Property Damage Insurance. Many individuals are not only surprised but feel dejected when the insurance company quickly rejects their claims. In most cases, the reason for rejection of the claim by the insurance company is because the basis of the claim is not covered in the homeowner’s policy.
The different types of water damages covered by the Insurance companies, mostly
Generally, the damages caused by storms are covered in the homeowner’s policy. Still, depending on the location of your house, damages due to tropical storms, and hurricanes require a separate insurance policy. Also, you must have a different flood insurance policy for water damages due to flooding and storm surges. Most homeowner’s policy covers water damages due to breakage or bursting of the plumbing pipes. And, because the bursting of the pipeline was unexpected, the Insurance covers the losses for the same.
The types of water damages not covered in the Insurance
If you have a leaking roof, then the water damage caused by the leakage of the roof is not compensatable by the homeowner’s policy.
To understand it better, let’s take an example.
Your roof is more than 25 years old and needs a replacement. But you decide not to replace it and save some money. As a result, your roof starts leaking and causes water damage and ultimately leads to the growth of mold in the interiors of the walls of your house. You notice the leak and the fungal growth and file an insurance claim which is instantly denied.
The reason for denial is the Insurance does not cover damages due to regular wear and tear. That is, to make it clear, you are responsible for the proper maintenance of your home, and that includes replacing the roof with a new one, when the old one starts wearing out, to prevent any damages to the house.
The exception cases to leakages to roofs is when the damage is caused due to a storm. So, if your roof is damaged due to a storm then only you can claim Insurance for the same. Other instances of water damages like water damage due to leaking pipes may not be covered because again; it falls under your responsibility for regular maintenance. So if you are aware of any leaking plumbing issues and do not do anything about it, then the insurance company is not responsible for paying any coverage due to the water damage caused by your negligence.
The different types of mold damages which are covered in the Insurance and which are not
The mold damages covered by Insurance depends on the kind and cause.
Say, the grout of the bathroom falls out due to its deterioration. And, you also neglect the fact and do not replace the grout. Since you failed to replace the grout of your bathroom, the condition worsens and mold spreads. If you claim Insurance, under such circumstances, your claim will be denied by the insurance company, because the damage caused is due to your negligence and you failed to replace the grout.
But, if the mold growth is covered in the causes, then your claims will be met. Say, for example, the water pipes burst, and water seeps into the dry walls, insulation and the floorboards. Any growth of mold in a particular area where the pipeline burst is covered, and you may get your insurance claim.
In case of water damage due to flooding and ultimately resulting in mold damage to your property, if you have flood insurance, then only your claims to the Mold damage on your property may be covered by the insurance company.
The mold damages covered by an insurance company is subject to the cause of the growth of the mold.
Molds and fungus must be removed immediately, and the area must be repaired as they are incredibly harmful to every individual in the house. Damp walls will lead to extra consumption of electricity, not to mention the dampness in the home is the reason why the members of your family may be suffering from various allergic reactions very frequently. Molds and fungus also affect the quality of air circulating in the house. It is essential to keep an out for any water damage or fungal growth within the walls of the house, exteriors and interiors, both.
But in most cases, insurance companies flatly denies any claim or underpays stating various legal rules, which is difficult for the common man to understand. Hence it is always advisable to consult and hire the best. The most experienced Mold Damage Property Claim Lawyer, if you are facing troubles due to water damages, ultimately leading to mold damage scenarios. Our property damage lawyer iare experienced in handling such cases and will ensure that you receive the maximum coverage possible from your Insurance.