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Your home insurance might cover mold damage resulting from a covered peril. For example, a tree branch breaks a window in your home during a rainstorm, causing water to soak your floors and walls.
Mold illness isn’t easy to define, and the path from home mold growth to debilitating chronic health symptoms is complicated. But often the story starts like this: Moisture in a home can cause ...
Luckily, homeowners insurance helps cover a wide range of misfortunes, including some types of water damage. But it’s important to be aware of which incidents are covered under your policy and ...
Black indoor mold growing in a humid bathroom. Because common building materials are capable of sustaining mold growth and mold spores are ubiquitous, mold growth in an indoor environment is typically related to water or moisture exposure and may be caused by incomplete drying of flooring materials (such as concrete).
An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy.
Stachybotrys chartarum (/ s t æ k iː ˈ b ɒ t r ɪ s tʃ ɑː r ˈ t ɛər ə m /, stak-ee-BO-tris char-TARE-əm, [2] also known as black mold [3] is a species of microfungus that produces its conidia in slime heads. Because of misinformation, S. chartarum has been inappropriately referred to as toxic mold.
However, if the mold results from a named peril, your insurer may help cover the damage. For example, if a pipe bursts in your ceiling and causes mold to fester, your insurer may pay some or all ...
Flooding in houses causes a unique opportunity for mold growth, which may be attributed to adverse health effects in people exposed to the mold, especially children and adolescents. In a study on the health effects of mold exposure after hurricanes Katrina and Rita , the predominant types of mold were Aspergillus , Penicillium , and ...