Does Insurance Cover Mold Remediation?

Posted on May 26, 2021


Long Nguyen | author

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ICHQ | Site Author

Most homes have mold, especially in low-lying areas like Louisiana. Generally, low levels of mold aren’t harmful and don’t require remediation. But if someone in your family has asthma or another similar pre-existing condition, like a mold allergy, indoor mold contamination could be harmful or even fatal.

Generally, mold damage is progressive. The longer mold goes untreated, the worse the problem becomes. So, if you think there is a mold problem in your home, early intervention is usually a good idea.

Insurance claims for mold damages are often complex. Insurance companies routinely deny that harmful mold exists in the house unless there is overwhelming evidence of severe contamination and an occupant with a severe health problem. A New Orleans mold damage claim lawyer can help you prepare your claim and force the insurance company to pay for your loss.

Understand Your Insurance Policy

Most policies pay for mold remediation if a covered event, like a burst pipe, caused mold infestation. Many adjusters claim that the problem existed before the covered event, and the burst pipe or other happening simply made it worse.

Most attorneys partner with public adjusters in these eventful situations. Public adjusters trace the damage to a specific origin point, such as the burst pipe mentioned above.

Most policies do not cover maintenance-related mold issues. If a leaky pipe, instead of a burst pipe, triggered the mold infestation, the company usually denies coverage. Many pipes leak before they burst, so you will need an experienced mold damage lawyer to help you appeal the denial of your insurance claim.

Contain the Mold Damage

Generally, if your home sustains water damage, mold infestation often follows. Therefore, under your policy, you must mitigate (voluntarily reduce) mold damage. Dehumidifiers, fans, and sub-pumps can all reduce moisture levels in the air.

As for the policy limits, there’s a difference between mold remediation costs and general damage repair expenses. For example, a company might charge $1.10 per square foot to remove damaged drywall. But only ten cents per square foot goes to mold remediation.

Most insurance policies cover mold remediation in most situations. For a free consultation with an experienced mold damage insurance lawyer in New Orleans, contact Insurance Claim HQ.

Virtual, home and after-hours appointments are available, and phone lines are open 24/7 at (844) Claim-84.  Everything we do is focused on maximizing your recovery. Get in touch with us today!