Homeowners insurance agents please help! Mold on water damage questions.?
We had to have an emergency restoration team come out to our home yesterday for water damage from our dishwasher… State farm agent said the cleanup and repair were covered other than the deductible. As the floor was being pulled up, mold was discovered all over the water damaged area. It’s wet, and not spreading, but they have to do a total pullup of the cabinets and floors, and replace. A mold remediation is what they called it. I do not have mold coverage, but with the mold being on all of the water damaged surfaces, can we just submit it as a water damage claim? How do I go about getting it taken care of without total denial? Help!
If the reason the wood is being pulled up, is due to MOLD, then no, it’s not going to be covered. If it’s ROTTED, or wood damage, then it is.
Keep in mind, just because there’s mold, doesn’t mean it’s that scarey stuff you hear about – THAT mold is extremely uncommon. You CAN dry the wood out, bleach it, and voila! mold is gone, until/unless you have another water issue. Mold is normal, mold is everywhere.
The REASON mold remediation is excluded from policies, is because in many cases, it’s not necessary; pretty much EVERY house has it, if you start tearing the house apart; three years after you fix it, it’s going to have mold AGAIN; and it’s extremely expensive to keep gutting your house every three years.
So. Spray some bleach on it, wait a few days for the wood to dry out, and see if the WOOD is warped or damaged, and needs to be replaced. Mold itself – not a good enough reason.
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There is nothing you can do to make them cover mold or put the claim in a way that will cover the mold. Since there is mold that means one thing. The water has been leaking for a long time. That is a maintenance issue that is not covered. Yes, now the water damage will be covered but the mold is not.
And, sometimes those restoration teams want to do more work than necessary. They are good at what they do, but it is still your choice on how much work you authorize them to do.
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Sounds like you have a very smart insurance agent that knows his stuff.
If the reason the wood is being pulled up, is due to MOLD, then no, it’s not going to be covered. If it’s ROTTED, or wood damage, then it is.
Keep in mind, just because there’s mold, doesn’t mean it’s that scarey stuff you hear about – THAT mold is extremely uncommon. You CAN dry the wood out, bleach it, and voila! mold is gone, until/unless you have another water issue. Mold is normal, mold is everywhere.
The REASON mold remediation is excluded from policies, is because in many cases, it’s not necessary; pretty much EVERY house has it, if you start tearing the house apart; three years after you fix it, it’s going to have mold AGAIN; and it’s extremely expensive to keep gutting your house every three years.
So. Spray some bleach on it, wait a few days for the wood to dry out, and see if the WOOD is warped or damaged, and needs to be replaced. Mold itself – not a good enough reason.
References :