The Flood Co. Blog

Posts Tagged ‘Property Insurance’

Utah is like many states. Many insurance companies exclude mold, but cover water damage as long as it is related to a covered event. This leads to delema at times. Mold comes from dampness and time. So just where do you draw the line? Where does water damage end, and mold begin? If everything is dry, but there is mold. The is no dampness, so there is no mitigation needed. The mold is an issue of course, and there may be swollen, weakened, disfigured or stained materials. If there was a covered water damage event, all of the damage is potentually covered other than the mold. That is if the mold is excluded on the insurance policy. The big lesson of course is act on a water damage event quickly and dry everything as quickly as possible.

If there is mold pressent, and materials are wet from a recent covered event consult a mold professional; there are options available.

Property insurance in Utah is like many other states,in that water damage is usually covered by insurance and mold is usually not covered. Water damage and time leads to mold. So, where and how do you draw the line between water damage and mold? If you are the insurance company, or the insurance company’s preferred vendor you evaluate it infavor of the insurance company. If you are a trained water damage and mold professional, and you are working for the homeowner. You are able to evaluate the damage more in favor of the home owner. This is a common delema that happens over and over again. If you are not a water damage and mold professional, see that you have one working for “YOU”.

The moral is: Don’t go it alone, have someone knowledgable on your side.