Mold is naturally present in nearly all homes in all parts of the country. Most of it is harmless. Some kinds can spread rapidly and affect your health. A bad infestation can lower your home’s value. You want to get rid of mold, but that costs money. So the question is: Does insurance cover mold remediation in Arizona?
Most homeowner’s policies only cover mold remediation if the excessive mold has been caused by a covered peril. This may include flash flooding, leaks caused by sudden and catastrophic roof damage and flooding caused by firefighting.
Every insurer has different policies. It’s best to contact your insurance company as soon as you notice the mold.
Most insurers immediately reject claims made for mold that has been caused by lack of maintenance or wear and tear. A pipe that has leaked for months can cause mold growth. This growth typically wouldn’t be covered because it is due to a lack of basic maintenance. A leaky roof can cause mold in your attic. This mold would be due to wear and tear of your roof, and it probably would not be covered.
If your home caught fire, firefighters would dump a lot of water into your house to extinguish the blaze. There would likely be water damage as a consequence of this. If the water from the firefighting efforts could be proven as the cause of the mold, the mold cleanup may be covered because it was indirectly caused by fire, which is almost always a covered peril.
Mold is a problem that should be dealt with as soon as it’s noticed so it can’t get any worse. It’ll have to be fixed whether it’s covered by insurance or not.
It can’t hurt to call your insurance company and see if they will cover a mold problem. Your rate won’t go up for asking a question to better understand your policy. Rates may possibly go up only if you actually file a claim.
Contact us for more information about mold removal in Phoenix, Arizona.