If you have suffered water damage in your Washington DC home, you may approach your insurance company to put a claim for mold damage, which often occurs if water damage is not immediately treated by a professional. It can be a shock to learn from your insurance provider that your home insurance does not offer cover for mold damage.
All home insurance policies actually exclude mold damage, but most home owners never bother to read the fine print. In fact, there are other house damages that are excluded from home insurance policies and these are:
- Poor maintenance of your home
- Standing water
- Construction errors that lead to leaks and/or defective home design
- Regular wear and tear of the structure
That is why it is important that you know what your home insurance policy covers and what is excluded. This said, it is possible to claim for mold and water damage, as long as the cause does not fall under the purview of the four aforementioned exclusions.
Handling Mold and Water Damage Claim
The moment you have a burst pipe in your home, your priority should be to stop the leak. This sudden leak is covered by home insurance policies, which do not cover chronic leaks. Thereafter, inform your home insurance provider about the leak. Find out what you have to do in order to file for a claim.
Typically, you will have to inform the insurance provider about what lead to your claim and this would have to be done in writing. The insurance company may also ask you to protect your home from further damage and make necessary repairs to protect it.
Before you call in a water damage restoration company, make a list of the things that have sustained damage. Support this list with photographic evidence or video. Also take photographs of the damage that your home has sustained.
Do not make any permanent repairs to the structure or your belongings. Keep it for later, after the insurance company comes and inspects the damage and gives you permission for permanent repairs.
Your priority should be removing water from your home and trying to dry it quickly to prevent mold growth. You will need a water damage remedial company that specializes in this. Remove anything that is soaked with water. Move the undamaged items from your house to another area, maybe the garage, so that they can stay dry and protected. Keep the damaged items aside in a well-ventilated area to dry, but do not discard them until you get a go ahead from the insurance company.
It is important you keep a note of everything you are doing, including all the calls you make to your insurance provider. Keep expense receipts carefully as well. All these logs and receipts will help you negotiate a claim.
Take these steps and you should be able to handle mold and water damage claim in Washington DC without unnecessary stress and strain.