Just got back from meeting with a customer who had called for a mold inspection. She described being out of town for a few weeks. While she was gone, there had been a flood from an outside sprinkler that came in through her window well. Her husband was home, and he did what he thought was best to get the damage cleaned up. He sucked the water out of the carpet, lifted up the carpet and removed the pad. He set up some fans to dry the carpet. Once the carpet was dry, he replaced the pad. In his mind, everything was just fine. However, when his wife came home, she noticed a musty smell in the area that had flooded, which prompted her to call for a mold inspection.
When I got to the home, I also noticed the musty smell. When I removed the baseboard, you could see some microbial growth that had developed between the baseboard and the wall. The smells were coming from the mold now growing in the wall! Although the carpet had been dried out, no attention was given to the wall and getting it dried. We discussed doing some mold removal, and came back a few days later to get started on the job. The customer asked about whether or not filing an insurance claim might be an option. Given the time frame that had passed since the date of the loss, and the fact that mold was now present, I told her it was unlikely to pan out, but it was certainly worth calling her agent to explore the possibility.
When we came back to start the job, the customer told me she had called her agent, and found out that her insurance company would have covered all the damages, including drying out everything and getting it fixed, IF they had called the day that it happened (or shortly there after). Because of the reasons that we had talked about, there was no longer insurance coverage according to her policy. So all the damage would have been covered for just the cost of their deductible, instead of spending all the money out of pocket to clean up the mold, and then fix their basement. If you have any questions about whether or not your loss is covered by insurance, or what to do to clean up your flood so that mold doesn’t develop, give us a call!