When a structure is flooded, mold remediation will be required. Often times, structures are not adequately protected by insurance policies, and only the homeowner is compensated for losses incurred from mold contamination.
Insurance companies recognize the financial impact that mold remediation can have on homeowners. Therefore, most companies will include coverage in the homeowner’s policy that covers losses associated with mold. This is in place to protect against a house being flooded or having structural issues that may cause damage from mold.
What you need to do in order to keep your mold in check, is to pay attention to the items that are included in your homeowner’s insurance policy. Items such as flood protection, structural repairs, insurance, and medical and dental coverage all fall under the umbrella of flood protection and should be addressed on a case by case basis.
When a structure is flooded, the chances of structural damage can occur. If there is any damage, a mold inspection will be required to determine if the building is safe to inhabit.
Residential homes can sustain major damage from high water levels as well. Risks exist when a structure is flooded and does not have an adequate foundation, which could cause the foundations to collapse with it.
As soon as damage is detected, structural repairs can be made. If structural repairs are not immediately completed, mold remediation must be performed.
All damage must be repaired, whether the property has been flooded or not. Before repairing any damage to a structure, mold remediation should be performed. In most cases, the homeowner is responsible for mold remediation but should have their insurance company to provide liability coverage, which will help the insurance company to cover costs for any potential claims.
As soon as a structural repair has been completed, mold remediation must be done. Mold removal can be accomplished by professional mold remediation company and their specialists, however, they can also be completed at home.
Home remediation companies can provide a variety of services for both commercial and residential property. Professional companies are able to provide mold inspections and remediation of mold as well as mold testing.
Home remediation contractors can offer one-time inspections as well as comprehensive evaluations that are customized to fit the needs of each individual homeowner. Professional companies can help you find the best solution for the situation, whether it is water damage and mold remediation or structural damage and mold testing.
Because the residential property is not considered a building that requires insurance, it is not covered by the same coverage that commercial buildings have. This is why many commercial properties will not have insurance for any structural damage.
A professional company will first evaluate the situation in order to determine what needs to be done, then they will identify which type of mold remediation would be appropriate for the situation. It is important to understand that there are many options available to homeowners and professionals who need assistance in mold remediation.