A warm, damp climate and hurricane weather are the perfect mix for mold to grow and spread throughout a flooded home. Mold should be a serious concern to homeowners who have been affected by a hurricane and have been unable to access their home for days or even weeks.
Unfortunately, mold growth after hurricanes is extremely common and harmful – both to the structure and its contents, as well as to individuals with chronic health conditions like asthma.
Many insurance companies have eliminated or vastly reduced coverage for all forms of mold damage resulting from storms, such as the recent hurricanes to hit the United States.
Whether your insurance will cover damages related to mold depends on the language in your policy.
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Coverage for Hurricane-Related Mold Damage
Understanding what is covered under your homeowner’s insurance policy is extremely important. Different policies can provide different coverages and/or exclusions for hurricane-related mold damage, such as:
- Express exclusions relating to mold damage
- “Specified peril” coverage, which may cover mold contamination if the insured can prove that the mold is caused by one of the listed “perils” within the policy
- Minimum mold contamination coverage, where the amount paid to the insured is capped at a specified dollar amount.
Additionally, mold damage to items within the home may be covered. When mold develops and grows due to water damage that is covered, some insurance companies cover the additional costs required to remediate the mold contamination.
For example, water, moisture and darkness can give rise to mold in as little as 24 to 48 hours. This can cause mold to develop in various areas and features of a home, like (but not limited to):
- Air dugs and insulation
- Ceilings and flooring
- Closets and clothing
- Windows and walls.
Removing mold from these and other areas of a home can require major remediation work, ranging from tearing down walls and replacing mold-infested insulation to replacing HVAC systems, flooring, furniture and/or ceilings.
With coverage for hurricane-related mold damage, the bottom line is that it all depends on:
- The language of the policy
- Whether mold is expressly excluded
- Whether the water damage that is typically the cause of the mold following hurricanes is covered.
Get Experienced Help with Your Hurricane Harvey Claim: Contact an Insurance Lawyer at the Amaro Law Firm
An insurance lawyer at the Amaro Law Firm is ready to help you maximize your recovery from a Hurricane Harvey damage claim.
Call (877) 892-2797, text (281) 612-8024 or email our firm for your FREE Consultation. In this meeting, we will answer your questions and explain what you need to do to position your Hurricane Harvey claim for success.