RWe often, during real estate transactions, get asked about insurance claims with regards to mold discovery and remediation. This is a somewhat convoluted issue due to the following considerations:
-The wording and stipulations, as well as the exclusion, in your homeowner's insurance policy.
-Whether or not you have a "rider" added onto your policy.
-What the source of water is which induced the mold growth in the first place.
-The level of negligence, if anything, took place in the property to elicit the mold growth.
This is just a very soft outline of the considerations involved in filing an insurance claim for mold remediation in a property. We always impart as much information as we can to our clients in these instances and have brochures outlining the information and procedures to take in such an event. We are always happy to give our clients these items during an inspection to ensure they are fully equipped to pursue their mold issues further.
Remediation companies, rather than inspection/testing companies, will be contracted with insurance companies. This information should be available to you through your insurance company, as well as directly through the relevant remediation company.
Read more about mold and homeowner's insurance.
MOLD HEALTH EFFECTS BLOG AND RESEARCH