Disaster Restoration: Does Your Chicago Homeowners Insurance Cover It?

Mold can cause a lot of damage to your property and health. Some of the health risks include coughing, eye irritation, breathing problems, and pneumonia as well. That is why you must get mold removal and restoration done. 

Mold is one of the most common problems that Chicago homes face. Not realizing there is mold in your house can cost you a lot. You must get Chicago mold damage restoration done for your home as soon as you spot mold growth. But mold removal and restoration are not easy. It requires a lot of experience and expertise. You will have to contact a professional mold restoration company to remove the mold and restore your property. The company will know where to get building materials in Chicago and also if emergency restoration requires a permit in Chicago.

Once you speak to a mold removal company and get the costing, the next step would be to talk to your insurance company and check if it covers mold. Most Chicago disaster restoration insurance companies cover mold only if a covered peril causes it, which means only a problem already covered in your policy. For instance, a pipe burst at home or an AC unit that suddenly doesn't work correctly. Another example where mold would be covered would be if you had a fire at home and the fire department used water to douse the flames. The water damage caused by this could result in mold. Your insurance company will cover the damage in such a situation. If you can prove that a covered peril caused the mold and you need to do disaster restoration in your house, your policy will cover the restoration. But you need to keep in mind that the amount the insurance company gives you will be minimal. If the amount covered by your company doesn't suffice, you will have to purchase a rider to get a larger amount in coverage. 

When Does Insurance Not Cover Mold Damages?

Your insurance policy will not cover mold damage in Chicago if the mold was caused by something that you could have repaired proactively. For example, if you had a leaking faucet or flooding in your basement that you were aware of but ignored, your insurance will not cover the mold caused by that water damage. This is because most insurance companies expect homeowners to take care of their homes proactively. And this includes ensuring there isn't any long term water damage. So, if your mold is caused by water damage that got ignored over time, you will have to pay for the repair and disaster restoration yourself.

Professional Remediation Is Available

Mold is a serious issue and should not be ignored. It can cause a lot of problems to your home as well as health if you don't eradicate it promptly. If you spot mold in your home, make sure you speak to a mold removal company and get the mold eliminated from your house. At Water Mold Fire Restoration of Chicago, our team of experts will help you determine the type of mold growth on your property, the process for removal and restoration, and even whether or not your Chicago homeowners’ insurance will cover the restoration of the property to any extent. There are a lot of things to consider when you undertake a disaster restoration project; why not trust your home to the professionals?