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Mold caused from flood damage goes beyond a standard home insurance policy. My home flooded during Hurricane Helene and now there’s black mold growing on the walls, furniture — and it smells ...
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.
Water damage caused by ice or snow is generally covered, but you will want to consider that there are several ways for moisture to enter your home — and some may not be covered by your policy.
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.
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 ...
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 ...
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