Flood insurance covers a building structure and its components from water damage resulting from a flood. It is good to note that flood insurance covers two types of property – the structure and its components. Understanding this distinction is paramount because there are different limits and deductibles considered in a flood insurance policy. The coverage usually includes the foundation, permanently installed carpeting, electrical plumbing, and central air systems and furnace.
After understanding what flood insurance mostly covers, let us now have a look at the relationship between flood insurance and mold testing and remediation. Mold strikes great fear for homeowners, especially after a flood, as it attracts expensive testing, removal, and remediation costs. Whether mold damage, due to a flood, is covered by flood insurance usually depends on the source of the moisture. Therefore, you should take some time to review the insurance policy and look for mold inclusions and exclusions.
Does Flood Insurance Cover Mold Testing and Remediation?
According to the National Flood Insurance Program, flood insurance does not cover any damage caused to your house by mold. The reason behind this is that insurance companies believe that this is something that you can avoid and is not directly attributable to the flood. This means that flood insurance does not cover mold testing and remediation.
However, your flood insurance could cover mold damage caused by covered peril. Some covered perils include accidental discharge of water from plumbing, sprinkler systems, and other household appliances. Insurers can cover you in case a pipe bursts in your house, fills water on the floor, and mold starts growing. Nevertheless, most insurance companies do not cover maintenance problems resulting from a problem they think could have been prevented such as a flood. This is because they expect homeowners to handle the issues before filing an insurance claim.
Insurers will not cover you if the flooding in your house occurred due to a poor plumbing or drainage system. The reason behind this is that insurers expect you to take care of your property. That means that you should check your plumbing, drainage, and roofs for any damage and do the needed repairs and replacements. This is a critical reason why you should always do home maintenance.
What to Do After Mold Damage by a Flood
Water in unwanted places around your house can cause a lot of damage. It not only ruins your prized possessions, but also creates a perfect place for mold growth, which attracts high removal and remediation costs. If your flood insurance does not cover mold damage, then you will need to act fast and deal with the problem yourself.
Your success in dealing with the mold problem will depend on how fast you can eliminate moisture from your house. Floodwater should not be treated lightly because even an inch of it provides the perfect breeding ground for mold. Mold does not only damage your furniture, walls, flooring, and carpets but also causes poor indoor air quality. This can lead to health issues like asthma.
One thing you can do after mold is try and eliminate the mold by yourself. You can do this by scrubbing, mopping and dehumidifying the area. You should have doors and windows open while doing this to allow for air circulation. Remember to wear protective clothing during this process.
Let Professionals do the Job
Mold removal and remediation is a tough process that requires the expertise of a certified professional. As a novice in mold removal and remediation, you are likely to miss mold growth in certain areas. Therefore, it is essential that you consider inviting a professional to test for mold and remove it, if available.
Flooding is the most common natural disaster and can take place anywhere. Floods introduce a lot of water and moisture into your house. This creates a perfect condition for mold growth. Therefore, one great negative effect of a flood is mold damage. If you have flood insurance cover, you might expect your insurer to cover mold testing and removal for you. However, this can only happen in special cases, where the mold damage is caused by a non-avoidable covered peril. At most times, flooding in homes happens due to bad roofing, or a broken plumbing and drainage system. Hence, most mold damages resulting from a flood are not covered by flooding insurance. If your insurer will not cover the mold problem you are facing, then you will want to hire professionals to remove the mold from your house.