Mold is not only sneaky, it’s also one of the more expensive home repairs that a homeowner can possibly come up against. Finding a small patch of it may lead to a much bigger patch living somewhere just out of sight, and it can cost thousands of dollars to remove. But when a homeowner gives their insurance company a call to take care of all those costs, they might be surprised at the answer they get. See what you can expect from your insurance company if you happen to find mold in your home in Annapolis, MD.
Most of the time, home insurance will not cover any damage to the home caused by mold. There are certain policies in Annapolis MD where mold will be covered if the mold was determined to be brought about by a specific event that was covered in the policy. However, general water damage from poor ventilation or general structural decay is unlikely to be covered. (Homeowners are highly encouraged to have their home inspected for potential problems that may lead to mold. This general precaution can save countless dollars and future headaches.)
Mold is usually covered if it’s a direct result of a fire, criminal activity (theft or vandalism), a falling object or a frozen pipe. It may even be covered in the event of a malfunctioning appliance. The best way to find out more about how to protect your home from mold may be to call an insurance agent after you call a home inspector. Ramsey Insurance can give you the tips and the policy you need to virtually ensure that your home will never suffer from mold damage. Calling Ramsey Insurance today an give you the resource you need to get the answers you trust.