Black mold, which can produce chemicals that cause severe illness is the mold to worry about the most. Water damage are the result from unforeseen problems such as broken pipes, blocked toilet supply lines, Leaks from appliance etc. Other causes of water leaks include high water pressures, weak pipe joints, extreme temperatures, and broken water connectors. According to research mold starts to invade home quickly, it can take less than 72 hours for mold to spread throughout your home, which may negatively affect your family and damage your property. When addressing mold problems, experts advice is to address the source of the moisture, or the mold problem may reappear. Remember to check for:
• High humidity and condensation problems
• Actual water leaks
• Maintenance issues
• HVAC system problems
Research shows that most insurance policies will cover mold, mildew, fungus or spores if they were the result of a specific problem that was covered by your policy such as water damage from a burst pipe that then results in mold. “Overall, to make a successful mold claim you must demonstrate that the damage from the mold was sudden and accidental when you found it and you reported it promptly to your insurer. This is the best way to ensure your insurance provider will cover the damages, “says Severeid. However, there is a limit to mold insurance coverage claimed, according to experts, it might be limited to $10,000, depending on your premium.
“Covered Peril.” is the term used by insurance companies to identify mold growth. This means that the mold will be covered if it was caused by damage that has been covered by insurance. The range of covered perils that may result in the insurance coverage of mold removal and repair according to experts may include:
1.Accidental flow or discharge of water – such as a broken or damaged pipe. Pluming in general.
2. Accidental overflow of water or steam from appliances, plumbing, sprinklers, heating vents, air conditioners, or other household appliances resulting in mold growth or damage may be covered by insurance.
3. Fire – In case the water used in extinguishing fire on your property has resulted in mold growth or damage. However, experts say that you must claim this within a few days of the incident, only then would mold repair be covered.
Although most homeowners' insurance policies have a long list of exclusions of damage caused by mold. Research shows that some policies may have exceptions to the exclusions and will provide very minimal coverage for mold contamination. However, homeowners' insurance won’t cover damages from mold if it was caused by problems such as wear and tear, long-term leaks that weren’t repaired. moisture or water from construction or bad repairs.
AquaSeekers LLC is an emergency response service specializing in fire, smoke, mold, wind, vandalism, and water damage restoration in Indian Saint Lucie County. Our services expand to all the tri-county areas in South Florida. With our professional services extending to other parts of Florida as well. AquaSeekers LLC is known for getting the job done quickly and professionally, working directly with clients and all insurance companies including Insurance Billing.
At AquaSeekers LLC, we strive to provide the best customer service. We are the property damage experts in all the tri-county areas in South Florida when it comes to water damage. We are equipped with expertise and industry knowledge; our unmatched professionalism always ensures that all our clients' needs are respected, our professional technicians believe in timely execution and costumer's satisfactions. So, whatever the problem is, give us a call and let us find the solution that's right for you.
Contact us for more information about our water damage repair, restoration and consultations services in Saint Lucie County.
Phone: 800-807-9291 Address: 1734 SW Millikin Ave Port Saint Lucie, FL 34953