What You Should Know About Mold Insurance Before a Flood
What Should You Know About Mold Insurance Before An Inundation?
One of the most common causes of fungus growth in a home is flooding, and when mold growth affects your Longmont, CO, property, you may find yourself dealing with many problems. Not only can mold spread quickly, it also creates an unpleasant, dirty smell that might permeate more than one room. You may believe that your homeowner's policy covers mold; however, knowing the facts can prevent unpleasant surprises later, especially after a flood.
What Types of Floods Are Covered?
In many cases, a general homeowner's insurance policy does not cover all types of flooding. You may need a separate policy to cover more than one circumstance, including the following:
- Flooding from nature
- Plumbing mishaps
- Flooding from spring thawing
Some basic policies may cover plumbing floods, but if you failed to maintain your pipes, your mold insurance provider may refuse to cover your losses. Remember to wrap your pipes in cold weather and check your plumbing for leaks at least a few times a year.
How Can You Cover Insurance Gaps?
You may find that while your insurance might cover water damage caused by a plumbing flood, you do not have any type of mold coverage. This could leave considerable gaps in your homeowners' policy, especially if the area you live in is prone to flooding. Ask your insurance agent about what kind of mold insurance the company offers and if there are any caps you need to know about before you sign up.
Can You Prevent Mold?
While mold itself is difficult to prevent, you can take steps to prevent indoor flooding. Have your plumbing inspected, chase down leaks under cabinets and in your basement, and have a mold cleanup and remediation company come in to inspect the perimeter of your home. Stopping flooding before it starts can be the most effective mold insurance coverage of all.
When mold encroaches on your Longmont, CO, home, it can be a stressful experience. However, knowing the facts about mold prevention and insurance coverage, including what types of fungus growth are covered, can help protect your property.