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Archived Mold Remediation Blog Posts

Uncovering the Truth: Does Your Commercial Insurance Policy Cover Mold Damage?

6/8/2023 (Permalink)

business insurance Protect your business with business insurance to ensure your covered.

Mold damage is the result of mold infestation. Mold spores are microscopic, but Mold can spread quickly.  When you see or smell mold, it's important to take action before the problem gets worse. If you have a commercial insurance policy that covers mold damage and your property has been affected by it, then you may be able to get reimbursed for any repairs or replacements that were necessary after the incident occurred.

What Does Commercial Insurance Cover?

Commercial insurance policies come in a variety of types, but they all share the same basic coverage for mold damage. The following are some common commercial insurance policies:

  • Business owners policy (BOP)
  • Commercial property policy (CPP)
  • General liability insurance (GL)
  • Workers compensation insurance (WCI)

How Do I File a Claim for Mold Damage?

To file a claim for mold damage, you will need to document the damage and estimate the cost of repair. You can use this information to help you file your insurance claim.

Once your home has been cleaned up and repaired, be sure to take pictures of the area before repairs are made so that you have a record of what it looked like before any work was done. If there were any items damaged by water or mold (such as furniture), take photos of those items as well so that they can be replaced with new ones by your insurance company if necessary.

The next step is estimating how much money it will cost to repair all of these damages--and this might include more than just replacing damaged property with new items: if there were structural issues related directly with mold growth (such as cracking walls), then those costs may also need factored into determining how much money should be reimbursed by an insurer once they've reviewed all available documentation provided by homeowners who filed claims against them following such incidents occurring within their homes' walls.

How Can I Avoid Mold Damage?

When it comes to preventing mold damage, there are a few things you can do. First, maintain proper humidity levels in your building by using a dehumidifier or air conditioner if necessary. Second, regularly inspect for signs of mold and fix any water damage quickly. If you have an area in your building where moisture is an issue (such as near plumbing), consider installing a ventilation system that will help keep the air dryer and less hospitable to mold growth.

What Should I Do If I Have a Mold Problem?

If you think you have a mold problem, the first thing to do is hire a professional mold removal service. These companies have trained technicians who can identify and remove all traces of mold from your property. They'll also make sure that their work is done safely and according to industry standards.

Mold is a serious problem that can cause significant damage to your business. If you have any questions about mold insurance and how it works, contact SERVPRO® today!

How is Mold Identified?

1/19/2023 (Permalink)

Spots of mold growing on a windowsill. If you have an issue with mold in your home or business, then call a professional!

Mold is a living organism, so it adapts to its environment. Even if you have seen mold before, it may be different every time because it has grown into different shapes, sizes, and colors. The best way to identify the type of mold in your home is to contact an experienced professional who can inspect your home and determine what type of species are growing there as well as what kind of remediation process will be needed.

Mold Identification is a Complex Subject

It can be difficult to identify mold. This article will explain the basics of mold growth, how to spot it and whether you need to treat your home.

Mold can be found in many places around your home, particularly if there’s been water damage or flooding. While most people think of mold as being black or greenish-black, it can also appear as dark brown or grayish-white. It's important not to confuse molds with other types of fungus that may be growing in your home too – these might look similar but aren't harmful like true molds are!

Why is Mold Identification Important?

The first and most important reason to identify mold is that it can cause extensive damage to your property and belongings. Mold growth can eat through a variety of materials, including wood, drywall, and even furniture. If you find that there is mold on your property, it’s best to act quickly and remove the source of moisture before it spreads further.

Mold identification is also important because it can be expensive! Often times people will try to remove mold themselves in their homes or businesses without knowing exactly what they are doing which can cause additional damage and lead them down a rabbit hole of cost. While this isn’t always true, most times, hiring professionals with experience working with this kind of material is worth every penny you spend on them!

Professional Mold Inspection and Identification

Mold inspectors are trained and experienced in identifying mold. They will use a variety of tools to identify the presence of mold, including microscopes to see visible mold spores on surfaces or in air samples. Moisture meters can be used to measure moisture content in building materials, like wood or drywall. Air quality testing can also help identify if there is an elevated level of mold spores in your home’s air that may not be visible to the naked eye.

The most important thing to remember when trying to identify mold is that there are many kinds of mold and each one has its own set of characteristics. Most people can learn how to identify some types of mold but it takes years of experience with the subject matter before someone can say they know what they’re doing. If you have an issue with mold in your home or business, then call a professional!