Filing a Mold Claim

5/27/2022 (Permalink)

Mold was found behind the baseboard.

Filing a Mold Insurance Claim

Savvy business owners in Broadview, WA, know the importance of having commercial insurance. While it is essential, it is also important to thoroughly understand what the policy covers. That is especially vital when faced with a mold problem. Although you can rely on a mold remediation and restoration company to take care of the problem, filing a mold insurance claim may not always go smoothly or be accepted.

Typical Coverage
Damage from fungi seems to be an ever-changing part of insurance coverage. In most cases, commercial insurance will not accept claims for damage caused by neglect, such as avoiding a lingering water leak or persistent high humidity issues. If a pipe burst or other unexpected water infiltration causes mold growth, coverage for a claim may include:

• Direct loss of covered property due to fungi
  
• Mold removal
  
• Replacement of materials to access hidden growth
  
• Testing after remediation
  
  

Prevention Tips
Although spores are everywhere, they need the right conditions to grow. If they have moisture, warm temperatures and nutrients, which include drywall and wood, they will flourish. Mold damage may not always be something that is completely avoidable but taking a few preventive steps may minimize the chances of that happening.

Immediately address any water issues. Even a slow leak may lead to the right conditions for a colony to grow.
Regularly inspect the roof, vents, seals and drainage to ensure moisture isn’t collecting. If a wet spot is found, make a prompt repair.
If faced with high humidity, boost indoor ventilation and install a dehumidifier.
Schedule an annual HVAC inspection. Air ducts are a prime location for mold to thrive. It is also important to check any condensation pans for excessive buildup.

Maintaining commercial insurance is important, but it does not always equal the acceptance of the claim. Understanding your policy and taking preventive measures are ways to make the process smoother.