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These Are the Reasons Why Your Insurance Company Won't Approve Your Mold Claim

Mold damage to your home can cause some serious problems, not only for the structural integrity of your house, but also for the health of your family. It can cause deterioration to your furnishings and belongings, and it can worsen sickness if you or a family member already struggles with allergies or asthma.

Unfortunately, it appears that most insurance companies are just as sick of hearing about mold as you are and are less inclined to approve any claims about mold damage to your home. While reaching out to your insurance company may be tricky and your chances of getting approved are slim, it's still important to get the problem resolved. Here are some of the reasons why your insurance company might deny your claim.

No Coverage on Your Policy

It's essential that you track down your current homeowner insurance policy and see what it says about mold damage. Read it carefully, all of the fine lines and in-betweens, to see if there are any limitations or mold exclusions. Also, make sure to take a look at all endorsements added to your policy, as certain coverages can be changed or eliminated over time. If you are unsure about the wording in your policy or have any questions, call a bad faith insurance lawyer for legal counsel. 

Mold From Water Damage

Oftentimes, coverage is dependent on how the mold got into your home in the first place. Mold's humble beginnings usually start with water damage of some kind and in order for mold to thrive, it needs moisture. If the mold is caused by a continuous leak or slower, ongoing problems, then most insurance companies won't cover repairs because they'll deem it negligence in home maintenance.

On the contrary, if the mold came about due to a burst pipe or sudden, accidental water issues, then you have a greater chance of getting coverage. Mostly because the reason for filing the claim is to settle the burst pipe and not the mold itself.

Not Enough Damage to Your Home

Identifying the source of the mold isn't enough. If the inspector sent from your insurance company deems that there isn't enough mold damage to be significant, they could deny your claim. To combat this, hold on to the items that were contaminated by the mold. Take pictures, document, and inventory anything the mold has damaged. Be as thorough as you can to document your losses.

Inability to Prove Loss and Amount of Loss in a Timely Manner

Your insurer may ask you to produce any financial documentation that is related to your claim, such as bank statements and receipts. You may have documented everything you've lost in your battle with mold, but if you take too long to send in the dollar amount of the items damaged (for most insurance companies, it's 30 days), chances of getting your claim approved decrease. It's much easier to prove your loss than tally the expenses of your loss, and insurers take advantage of this time consuming fact.

Even if you find yourself in the middle of a heated battle with your insurance company about settling your mold claim, you can take action now. The best way to protect your family and your home from mold is to take these preventative measures:

  • insulate your house well to reduce condensation
  • routinely check for any leaks or sources of moisture
  • maintain ventilation systems
  • don't install carpet in areas prone to get wet, like bathrooms and basements
  • keep the level of humidity in your home low

Talk to an Experienced Bad Faith Insurance Litigation Lawyer

At the end of the day, it's important for you to know your rights and responsibilities. While many policyholders find themselves at the mercy of their insurance company, there are experienced attorneys and advocates willing to help you settle your case if you are unfairly denied.

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