Insurance: Things You Need To Know |
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Concern about the consequences of mold contamination has become one of today's top subjects. The implications of the emerging mold issue for insurance and the economy are serious.
From the insurance perspective, damage from mold, like rust, rot and mildew is specifically excluded in the standard homeowners policy. Mold contamination is covered under the homeowners policy only if it is the result of a covered peril. For example, the costs of cleaning up mold caused by water from a burst pipe are covered under the policy because water damage from a burst pipe is a covered peril. But mold caused by water from excessive humidity, leaks, condensation or flooding is a maintenance issue for the property owner, like termite or mildew prevention, and is not covered by the policy. Most people routinely clean up mold before it grows large enough to become a hazard. Caught early, mold usually can be removed by a thorough cleaning with bleach and water.
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Saturday, September 6, 2008 Copyright ©2008- All Rights Reserved
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