Homeowner property insurance policies range in specific coverage from insurer to insurer. It’s important to read your policy carefully. The language of your property policy and the cause(s) of the mold infestation determine whether the damage is covered. “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.

When damage, such as mold infestation or flooding, occurs in a home, the owner must call their insurance company to report the claim. Then the insurance company will create a claim, and an adjuster representing the company will go to the home to investigate the loss and, if deemed necessary, offer a settlement.

According to new research from Lund University in Sweden, mold toxins in buildings damaged by moisture are much more dangerous than previously thought. This research has implications for home sellers and buyers, contractors and insurance companies.

Call H&H Environmental today and SAVE on mold testing and removal services. In the winter, warm, air-restricted homes provides the perfect environment for mold growth. If you suspect a mold problem, now is the time to test and treat the problem. Call and mention code MOLD09 to save on eco-friendly, guaranteed service!

Flooding can occur from overflowing river or the result of a heavy storm or hurricane. It can also occur from leaks inside the house or due to freezing pipes. If water seeps into gets the insulation, studs or carpet the dampness can lead to structural damage and mold contamination. Even a small amount of water can cause considerable damage that may cost thousands of dollars to fix.

During the winter, one of the most common home insurance claims is for water damage caused by frozen pipes that have burst. When the temperature drops to freezing, pipes in your home are at potential risk.

Besides a pine scent and holiday cheer, live Christmas trees could bring something entirely unwholesome into your home.

Both mildew and black mold have similar properties. For example, both black mold and mildew thrive in wet environments and can grow on most surfaces. Both are a type of fungus and thrive in cool and damp areas.

Home inspectors are generally not liable to discover defects that are concealed from view. Also, mold may not within the scope of a home inspection.

Water and mold spores are the recipe for home mold infestation, growing in damp places that you may or may not see.