Water is something you come in contact with on a daily basis. Who knew it could cause so much damage to your home? The most common damage that water can cause to your home is mold. Mold will not only lower the value of your home but is also extremely dangerous to your health. Mold can cause discoloring of the walls and ceiling of your home and can also produce rotting in wood causing that disgusting smell that could be permeating your home.
The question most homeowners have when dealing with mold in the home is: “Will my homeowners insurance cover the damage?” The answer to that question largely depends on the source of the mold in your home.The bad news is any mold in your home that was caused by flooding or by neglecting the issue is most likely not covered by your homeowners insurance. The good news is mold caused by a busted pipe is covered and if that has happened to you, your insurance can take the wheel and get rid of those nasty spores around your home.
There is no need to worry about your homeowners insurance not covering a potential mold issue in your home. Here are some ways you can prevent mold ahead of time:
- If you find any spills or leaks make sure to dry them within 48 hours.
- Check your gutters for build up of any leaves or gunk and try to clean them as often as possible.
- Open any vent or windows you can in your bathroom while taking a shower.
- Use fans when using any appliances that could produce moisture like your stove or dryer.
- Keep paper products stored in dry areas away from any humid rooms in your home.
- Opt for a wood floor rather than wall-to-wall carpeting.
Phocus Companies is an independent insurance agency that you can rely on. We are more than happy to answer any insurance questions you may have and with more than 25 years of experience and can customize an insurance plan to fit your needs. Contact Phocus Companies in Phoenix, Arizona today for a free homeowners insurance quote!
