According to a Fema, “Mold growths, or colonies, can start to grow on a damp surface within 24-48 hours!
Where does mold come from?
Mold in Your home will come from a water source? The question is did that water source come from a covered loss that you can file an insurance claim in order get the cause of the loss repaired and all the ensuing damages such as the mold that come from the loss remediated so that you can get a “Post Remediation Clearance.”
Some of the mold damage you may get covered would be an insurance claim that may be covered in your policy from:
• It’s possible to get mold from flooding but most people do not have flood coverage unless they live in a flood zone.
• It is possible for some insurance policies to have coverage for sewage back-up from flooding in the area, but usually sewer back-up is an exclusion in most policies. However, sewer blockage is usually covered which means if there is mold growth after that covered loss you will if you have mold coverage have the ability to not only get the mold remediated but with the right public adjuster you should get all the damage cost covered for the replacement and rebuild.
• If you have plumbing or roof leaks that come from a covered loss then the mold damage sustained if you have mold coverage would be covered.
• Mold can grow in a damp basement or crawl space but it would need to have a covered loss that caused the water to create the damp basement. You could have a toilet overflow, a pipe break, a plumbing leak, a plumbing valve leak, or sudden and accidental malfunction that cause a water loss that created the environment for the mold to grow.
• A covered loss for an insurance claim may come from overflows from sinks, toilets, or bathtub that may create mold. Again if you have mold coverage.
• These issues could be harder to gain coverage: high humidity: steam cooking, dryer vents, humidifiers. If the high humidity comes from the loss of power because you a car drove and hit your outside HVAC unit or you lost power due to a wind storm, hail storm, hurricane
mildew, and mold will develop within 24-48 hours of water exposure. (Steam cooking is not sudden and accidental or long term seepage so getting coverage would be more difficult to find insurance coverage.)
Even worse mold it will continue to grow until steps are taken remediate the mold and stop or mitigate the cause of the water source to eliminate the source of water/moisture.
We do not believe there is ever an insurance claim that you should not have the representation of a skilled public adjuster. Mold damage sustained after water damaged or a water loss is more difficult to make sure you get coverage and paid fairly. HIRE A PUBIC ADJUSTER!
If you notice mold it’s important to understand where the moisture is coming from in order to report a cause of loss when filing an insurance claim. If you have water damage or you notice mold it would be in your best interest to call an Experienced Public Adjuster for a free claim evaluation before filing a claim.