3 Ways To Find Insurance Coverage for Mold

12/18/2017 (Permalink)

3 Ways To Find Insurance Coverage for Mold

A mold infestation can devastate a home and result in costly restoration. Many people in Johnson City, TN don't think their home can have a mold problem. In fact, any residence is susceptible to contamination. A lot of minor epidemics go unnoticed until the fungus growth is severe enough to cause significant damage. One way to protect your property from mold is to get insurance that covers remediation service. Although mold is not often included in general homeowner’s insurance, there are ways to find ample coverage for your residence.

1. Talk to Your Insurance Adjuster

If you already have home insurance, you might be able to add mold coverage. Call your insurance company to inquire if it offers this benefit. Adding it to an existing plan might be more cost-effective than purchasing separate coverage.

Since most fungus growth is a result of water damage, you might consider mold add-ons to existing flood or storm coverage. The high-moisture environments resulting from an aquatic disaster are fertile breeding grounds for mold and bacteria. Although most insurance companies don't cover mold damage in its entirety, there are some that offer mold caps that cover a set amount of dollars or specific services, such as testing or cleanup.

2. Talk to a Restoration Expert

Home restoration professionals have repaired countless homes with mold infestations. They might be able to recommend a good insurance plan for your home. Give your local company in Johnson City, TN a call to schedule an appointment with a friendly representative. Apart from insurance tips, representatives can also conduct an examination of your home to determine if it's in danger of mold.

3. Search Online

Of course, the internet is full of information on how you can find mold insurance. A quick online search can reveal several options. Take the time to explore all of them to ensure you're getting the best deal.

Finding good insurance coverage for fungus growth is easier than you think. With these three tips in mind, you can get peace of mind and financial security.
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