Mold is not only an annoying and persistent issue, but it can even be harmful to the health of you and the ones you love. If you have mold, you may be able to file an insurance claim to cover the cost of repair. Here is everything you need to know about mold and mold remediation insurance claims in Naples.
Mold Can Be Harmful to Your Health
Mold releases spores, and these can lead to a number of health issues. For example, after inhaling spores, you may experience allergy symptoms, such as itching, coughing, headaches, difficulty breathing, and exhaustion.
Mold Is Not Always Covered By Homeowners Insurance
Usually, mold is only covered by homeowners insurance if it is the result of certain named perils. These perils include water damage from a burst pipe or a broken appliance. Mold and water damage from extinguishing a fire or a frozen pipe may be covered by your general home insurance policy.
That coverage will likely not replace any broken devices or the cause of the damage. Instead, the mold itself and any water damage will be covered. The amount of damage covered may be capped at a certain cost.
Certain Occurrences Are Not Covered When It Comes to Mold & Mold Remediation Insurance Claims in Naples
If you encounter mold, it is important to know that it may not be covered by insurance depending on the cause. For example, mold that is the result of flooding will likely only be covered by flood insurance IF you have it in place beforehand. Other issues are not covered if it could be argued that you could have addressed the issues earlier. Leaks and humidity are likely not covered.
Understand Mold Removal Costs and Caps
Mold removal can often cost between $1,000 and $30,000 or more depending on the extent of the damage. Often, insurance companies will only pay between $1,000 and $10,000.
In some cases, you can purchase additional mold coverage for your insurance policy before any damage occurs. This cost will differ depending on your state.
Mold & Mold Remediation Insurance Claims in Naples Are Made So Much Easier With Darryl Davis and Team
If you are dealing with mold and mold remediation insurance claims in Naples, Darryl Davis is here to help. We are extremely familiar with this type of claim, and we look forward to using our expertise to help you receive faster and great compensation! Call us at 954-709-3982 to make an appointment as soon as possible, and be one step closer to a bigger check!