Does Homeowner’s Insurance Cover Mold?

November 7, 2018 10:41 pm Published by Leave your thoughts

If a tornado hits your house, you know you’re covered. If a fire takes out all your possessions, you are confident your insurance will pay to replace them. What about mold? Does this dangerous growth fall under your homeowner’s insurance policy? If you need mold testing in Aspen, CO, will your insurance carrier foot the bill?

The answer is: it depends. Read on to get the full scoop from your experts in mold testing in Aspen, CO.

When It’s Covered

There are times when mold damages may be covered by your homeowner’s insurance. If an incident occurs that is covered by your insurance, and that incident causes mold growth, your policy may encompass these damages. For example, if damages caused by a fire result in additional mold damage, the cost of mold testing in Aspen, CO and handling necessary mold repairs may be covered.

When It’s Not Covered

Often, homeowner’s insurance policies do not cover mold damage. If the mold is present in your home due to improper maintenance practices, your insurance company will not pay for repairs. For example, if you over-humidify your home or fail to fix a continuous leak, and these conditions generate mold growth, you will be on your own to complete mold testing in Aspen, CO and make necessary repairs.

How to Determine If It’s Covered

If you’re not sure whether your policy will cover your mold damage, consult with your insurance provider. Use the following steps to file a claim:

  • Contact your insurance company as soon as possible after damages occur or are discovered.
  • Gather evidence. Take pictures of the damage and any visible mold.
  • Contact a mold remediation company. Ask them to dry any water before mold can grow. Remember, mold can begin to grow in just 24 hours. You may want to confirm with your insurance company that they will cover this cost before you schedule the appointment. However, even if they won’t cover the cost, this is still something that should be done as soon as possible.
  • Retain documentation of the entire process, even after you receive insurance payment. If you experience mold growth in the same area in the future, your costs will probably be covered again.

Whom to Contact for Mold Testing in Aspen, CO

As you work your way through this process, you may wonder whom you should contact for your mold testing in Aspen, CO. Your insurance company may offer recommendations. As you consider your options, look for someone local that has an established reputation in the industry and community. Partner with a company that specializes in these services and can help you determine exactly what you need.

Partner with the Pros

If you need mold testing in Aspen, CO, turn to the experts at HealthSafe Inspections Inc. We’ve been serving customers throughout the area for over a decade. Our services include on-site investigation and sampling, report writing, recommendations and post-remediation verification. We consult and test for several indoor contaminants, such as allergens, asbestos, bacteria, mold and fungus, radon gas and more. After an initial consultation, we are able to determine what you need and recommend what steps you should take next. Reach out to our team today!

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