Unexpected incidents, such as a broken pipe, can lead to water damage and the subsequent growth of mold in various areas of the home. Mold must be removed promptly to prevent further damage to walls, ceilings, and flooring, as well as to avoid potential health issues. At Davidson Insurance Agency in Evergreen, CO, we help our clients secure the coverage they need to protect their home investment.
Mold Damages Construction Materials and Poses a Hazard to Health
When wood becomes wet, mold spores can quickly attach and use it as a food source. The mold will continue to grow and feed on the wood until it weakens, compromising the structural integrity of walls, flooring, and other components, which may then require repair or replacement. Mold also poses a health hazard, potentially causing nasal irritation, throat irritation, skin rashes, and more frequent asthma attacks in sensitive individuals.
Does Your Home Insurance Policy Cover Mold Damage Restoration?
Home insurance typically covers mold damage if it results from a covered peril, such as a burst pipe or a leak from a malfunctioning appliance. The event must be sudden, unexpected, and not caused by a lack of maintenance. Additionally, the water source must originate inside the home. Mold caused by external floodwaters is generally not covered. However, additional coverage options, such as flood insurance or concealed water damage add-on insurance, are available to address external flooding damage.
Make Davidson Insurance Agency Your Agent for Home Insurance
Home insurance protects your residential property from various hazards and helps cover the costs of repairs and restoration. Our experienced agents are here to answer your questions about the extent and types of coverage your home insurance policy provides. Contact Davidson Insurance Agency in Evergreen, CO today for a no-obligation quote on insurance to cover mold and other issues related to internal water damage.
