Mold in homes and buildings is not just an unsightly nuisance, but a potential health and structural hazard too.
Mold remediation is the process of containing, removing, and treating mold in buildings. Sounds like a big job right? It is. So who pays for mold remediation?
It’s a valid question so read on for more information about mold remediation, why it’s needed, and who pays for it.
Mold remediation is a process that is done by a professional to effectively and safely remove mold from a building. Mold doesn’t discriminate so it can show up anywhere from walls to floors, under cabinets, and even carpeting.
Steps for mold remediation include:
Mold remediation is extensive and must be done by a professional to ensure optimal safety and containment. Since mold is a health hazard, trying to bleach away the mold or just painting over it is a very bad idea.
Mold is not only unsightly, but can become a health issue if not taken care of. Of course not all mold is black mold, but even the less dangerous ones can be toxic to your health. Mold can cause a variety of symptoms including:
It’s important to see a doctor if you think you’ve been exposed to mold. They will be able to assess the dangers, make recommendations for moving forward, and let you know what to look for after your mold remediation is complete. It’s also important to get rid of the mold if a doctor or mold remediation specialist has told you that mold remediation is required.
Who pays for mold remediation is almost trickier than mold remediation itself. The answer is that it varies depending on the circumstances in which the mold reared its ugly head.
In some cases, homeowners insurance will pay for mold remediation. If the mold arose from a sudden catastrophic event covered by your policy—such as a burst pipe, water damage from a fire hose, broken water heater, or roof leak—your home will likely be covered.
Examples of perils that would not likely be covered are:
In some instances, a renter may be responsible for mold remediation if the rental agency or landlord determines that the renter is at fault for the mold.
Renters may be responsible for mold remediation if they neglected to clean up water spills, failed to inform the landlord or agency immediately following water damage, did not properly ventilate areas with moisture build up, or failed to report leaks in a timely manner.
In cases where a person owns a dwelling and the renter was not neglectful in a way that led to the mold problem, the landlord would be responsible for paying for the mold remediation.
Much like homeowner’s insurance, in situations where the loss was sudden (due to a burst pipe or other covered peril), landlord’s insurance may pay for the damage. It’s important to note, however, that some have exclusions for fungi so it’s important to check your policy or purchase additional insurance.
Discovering mold in a building is stressful enough without having to think about the cost of remediation. It makes a bad situation worse.
At Axel Works we are dedicated to taking that extra stress off your shoulders and will work with your insurance company to get your home back to its prior condition. We will take care of removing the water damage that caused the mold, contain the problem, and eliminate mold from your home.
If you’ve experienced mold or water damage, give us a call. We are here for you 24/7!
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