Does Homeowner's Insurance Cover Mold Removal for Haymarket, VA Homeowners?
Do homeowners insurance policies cover mold remediation or mold removal for Haymarket, VA homes with mold damage? It depends on the conditions and events that created the mold and the specific coverage terms of each insurance policy.
In order to thrive mold spores need moisture to grow. There are many factors that contribute to water damage. Some are covered by homeowners insurance policies and others are not. Despite the threat, a standard homeowners insurance policy generally either limits coverage for mold damage or excludes it completely.
Some homeowners insurance will pay on claims for mold damage directly caused by a peril that's covered by the policy. For example, mold can result from collected water from a burst pipe - an insurance peril that is covered. In this case, the cost of mold remediation or mold removal in Haymarket, VA should be covered by the insurance company.
However, if mold growth is attributed to long-term property neglect or lack of maintenance, there is no unexpected peril involved. Homeowners insurance is typically not going to cover the cost of mold remediation or mold removal for Haymarket, VA property damage due to preventable circumstances. There are plenty of instances where excessive humidity in a home, an invisible roof leak, unnoticed seepage into a basement, or leaky pipes and appliances contribute to thousands of dollars in household damage. Some flood insurance is available through the National Flood Insurance Program (NFIP). Administered by the Federal Emergency Management Agency (FEMA), NFIP was created by Congress in 1968 to provide flood insurance protection to all property owners in in Special Flood Hazard Areas (SFHA).
Even if you have flood insurance and your insurance policy covers mold, make sure you know if your policy caps damage reimbursements or contains exclusionary provisions. It's possible to buy additional coverage, you just have to have the right coverage in place before you need it.
The environmental professionals at Envirotex are highly-qualified, accredited environmental specialists providing a range of services for mold treatment and your home’s long-term mold management strategy. We have decades of experience helping people in your situation make sense of their insurance coverage, understand the specific protocols regarding mold remediation for Haymarket, VA properties, and make informed decisions about mold management. Call us to ask about mold inspection, testing and mold removal to restore your healthy home.
