Mold concerns almost every homeowner, especially in moist climates. If an owner wonders if home insurance in Savannah, GA, covers mold damage, the respondent would say, “It depends.” Knowing what you have for coverage before mold appears will help you make a much more informed decision.
When Does Home Insurance Cover Mold?
In most cases, home insurance will cover mold damage only if it is a consequence of a covered risk. A covered risk refers to something unforeseen, like a pipe bursting, an accidental discharge of water, or damage through a storm. The insurance policy would usually do the mold remediation if it originates from or occurs due to any of the above, and if it is detected and remedied quickly.
However, if mold happens to be the consequence of long-term neglect, humidity, or poor maintenance, it is usually not covered. Insurance companies want homeowners to maintain standard maintenance and repairs to prevent occurrences like leaks or excess moisture buildup.
Mold Coverage Limitations
Even if it is covered, home insurance can have certain limits attached to mold coverage. For instance, some policies will limit mold remediation coverage. In scenarios where mold damage is considerable, paying all the bills may not be possible. Reading up on the mold condition in your policy or consulting on optional approvals will give you a pretty good idea of your level of protection.
You may also be able to purchase a mold approval to boost your coverage; such additional protection may help immensely in an area such as Savannah, where humidity gives mold a greater chance to grow.
How to Strengthen Your Coverage
When looking for homeowners insurance quotes in Savannah, GA, you should inquire about mold-specific coverage. Many standard policies do not cover mold damage, so weighing your options carefully and reviewing the cover details is vital.
You should also:
- Keep your indoor humidity below 60%
- Keep several dehumidifiers in areas where they can cause problems.
- Repair problems as soon as they occur
- Regularly monitor plumbing, roofs, and basements
Being proactive reduces the risk of mold for you and helps you fulfill your end of the insurance contract.
Protect Your Home with the Right Coverage
Mold problems can be stressful and costly. The good news is that the right insurance policy can give you financial protection and peace of mind. Reach out to Savannah Insurance Advisors and explore complete homeowners insurance in Savannah, GA. Let us assist you in comparing homeowners insurance quotes, to seek coverage that suits your interests and needs.