Some Policies Don't Cover Mold Caused by Storms

Originally Posted By: gromicko
This post was automatically imported from our archived forum.

(September 27, 2004) – Homeowners’ insurance generally covers mold caused when the home’s roof, windows, and walls are damaged during storms, but mold resulting from flooding or storm surges are excluded.

However, such damage is covered by federal flood insurance policies. Coverage limits only kick in when mold is involved, and homeowners should keep in mind that wet drywall, carpets, furniture, and insulation are included under water damage. Homeowners need to remove wet objects as soon as possible?which can be difficult if they are kept away from their homes due to flooding and power outages.

Insurers determine whether cleanup efforts were launched in a reasonable amount of time before paying claims.

Source: Washington Times (09/24/04); Curry, Pat

Nick Gromicko

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