Mold Remediation Done Right

2/2/2022 (Permalink)

Mold and Rental Damage 

If you’ve discovered mold damage in your home, you may be wondering if your rental insurance policy will cover the damage and remediation.

The answer? It depends on both your policy and the type of damage.

Renters Insurance 101

Renters insurance policies typically cover the personal property of the renter, while the landlord’s insurance covers the structure.

Most policies include coverage for damages caused by an emergency situation, such as fire or flood, and any damage resulting from those situations.

They may also cover damages caused by accident or nature up to the point when the resident has had reasonable time to discover and fix the problem. It's important to note that most insurance policies will not cover damages resulting from neglect.

What Mold Damages May Be Covered

Your rental insurance may have provisions for mold removal and remediation if the mold growth is caused by an emergency situation. This water damage is caused by firefighting efforts, natural disasters, or an accidental pipe break. Keep in mind that in many cases, they may also cover the costs for hiring a mold remediation professional like SERVPRO of Freeport, Roosevelt.

What Renters Are Responsible For

In most cases, renters are responsible for reporting any mold removal needs as soon as they realize there’s a problem. Mold damage to a renter's personal property also falls to them, while damage to the actual property may be covered by the landlord’s policy.

Renters insurance may require the renter to do everything they reasonably can in order to report and remedy the mold problem. The renter is also responsible for having insurance and knowing what the policy contains.

Many times, a rental insurance policy will cover damage up to the point where the renter could have prevented it from getting any worse. This means that as soon as damage is found, appropriate steps should be taken to stop the infestation and prevent further spread. In some cases, your policy may even cover the cost of professional cleaning.

Contact Us For All Mold Remediation Needs

Give us a call at (516) 774-2200 or e-mail office@SERVPROfreeportroosevelt.com for immediate assistance for any mold related issue for your commercial or residential properties.