Skip to content
Call today for a free consultation.

888-250-6653

H&H Environmental
  • Residential Mold
  • Commercial Mold
  • Attic Mold
  • Basement Mold
  • Air Quality
  • Water Removal
  • MRSA Cleanup
  • Contact
H&H Environmental
Mold Contamination and Your Homeowners Insurance
0

Mold Contamination and Your Homeowners Insurance

homeowners insurance and mold damageHomeowner property insurance policies range in specific coverage from insurer to insurer. As with any contract, it’s important to read your policy carefully. The language of your property policy and the cause(s) of any household mold infestation determine whether the damage is covered or not.

For example, “specified peril” policies may only cover mold removal if you can prove to the insurer that the damage was caused by a specifically listed cause or “peril”. Other policies are “all risk” policies, which may by default cover mold contamination unless the insurance company can prove that the cause(s) of the mold contamination was actually an excluded cause in the policy.

Exclusions for mold damage include dry or wet rot, pollution, general wear and tear, workmanship and construction defects, and so on.

When mold contamination develops due water damage, it may considered a secondary or “ensuing” problem. In that case, your insurance company may cover mold remediation and removal costs. The issue with insurance coverage often comes down to identifying the mold causes and determining if that cause is covered by the policy. Was the mold due to water damage, or was simply a ‘pollutant’ in the home? Coverage hinges on those determinations.

Most insurers will provide coverage for mold damage if it is associated with a closed plumbing system discharge, as long as the homeowner takes reasonable steps immediately after the accident to protect and repair the property.

mold in house

In the case of a burst pipe or flood, contact your insurance agent immediately. In these cases, getting a remediation team to begin drying out the property within the first 48 hours is critical to preventing or containing subsequent mold growth. Take any reasonable measures you can afford to protect your property during that time.

In the case of a flood emergency, call H&H Environmental at (888) 250-6653. Water cleanup crews will respond within 30 minutes.

Document your facts. Take pictures of everything. In the case of mold contamination, call in your own mold professionals for mold testing and estimates so you know what the extent of the damage may be. If you’re going to claim health damages, you should get blood testing.

H&H Environmental Construction and Consulting provides public adjuster services. We work to get every claims dollar you are entitled to receive. We bill insurance companies directly and provide services in NY, NJ, CT, MA and PA.

Preventing Basement Water Damage

Flooding often occurs as the result of a heavy storm or hurricane or from rising bodies of water. It can Read more

H&H Environmental Warns of Flooding Dangers Due to Heavy June Rain

Just 10 days into the month and this is already the ninth wettest June in New York City history. CBS Read more

Why DIY Water Extraction Can Be Dangerous

While a small water leak or spill can often be cleaned up by a homeowner, there are cases where professional Read more

Fixing Water Damage Now Prevents Mold Problems Later

Heavy rain, a burst pipe or flooding can cause more than just water damage to your home. It can lead Read more

  • Flooding, Mold Removal

Mold Removal Service Areas

New York Mold Removal

Albany | Bronx | Columbia | Delaware | Dutchess | Greene | Montgomery | Orange | Putnam | Queens | Rensselaer | Rockland | Saratoga | Schenectady | Schoharie | Sullivan | Ulster | Westchester and Manhattan

New Jersey Mold Removal

Bergen | Hudson | Union | Passaic | Essex | Morris | Somerset

Connecticut Mold Removal

Fairfield | Litchfield

Massachusetts Mold Removal

Berkshire County

Pennsylvania Mold Removal

Wayne | Pike | Monroe

Categories

 

Fully Certified and Licenced for the State of New York


Services
  • Residential Mold
  • Commercial Mold
  • Attic Mold
  • Basement Mold
  • Air Quality Inspections
  • Water Removal
  • Fire Damage Restoration
  • MRSA Cleanup
Mold Removal
  • New York Mold Removal
  • New Jersey Mold Removal
  • Connecticut Mold Removal
  • Massachusetts Mold Removal
  • Pennsylvania Mold Removal
  • Apartment Mold Removal
  • School Mold Removal
  • Air Quality Inspections
Mold Testing
  • New York Mold Testing
  • New York City Mold Testing
  • New Jersey Mold Testing
  • Connecticut Mold Testing
  • Massachusetts Mold Testing
  • Pennslyvania Mold Testing
  • Commercial Air Quality Testing
  • Thermal Imaging
Our Company
  • Contact
  • About Us
  • Reviews and Testimonials
  • Our Warranty
  • Links
  • Blog
About Us

The Industry Leader in NY Mold Removal, Commercial Mold Removal and Mold Inspections.
Privately Owned and Operated Since 2004.

Serving New York, New Jersey, Connecticut, Pennsylvania and Massachusetts.

H&H Environmental Construction and Consulting Inc. BBB Business Review

Contact

H&H Environmental Construction and Consulting
645 Route 212
Saugerties, NY 12477
Toll Free: 888-250-6653
Phone: 845-246-3231

NYC Location
1704 Flatbush Avenue
Brooklyn, NY 11210

Northville Location
105 Seven Hills Road
Northville, NY 12134

© 2021 H&H Environmental Construction and Consulting
  • Privacy