Disaster Restoration: Does Your Dallas Homeowners Insurance Cover It?

Mold is prevalent in many Dallas homes. Dealing with mold can be a frustrating experience for most homeowners. But it is essential to eradicate mold from your home and property. If ignored, mold can damage your building structure and also lead to major health issues.

The most common cause of mold in most homes is water damage. The water damage could result from any number of things like a leaking pipe or roof, flooding in the house, a pipe burst, a malfunctioning appliance, or a water heater. 

Whatever the cause for mold, homeowners should make the mold cleanup from their Dallas home a priority. In some cases, the property may get damaged to such an extent that a part of it will have to be replaced or restored. Mold restoration in Dallas is no easy task and will need the expertise of professionals. These professionals will know many Dallas building supply yards to get good building supplies for your property restoration.

But even before you get started on mold restoration, there are certain things that you need to look into. Like whether you need a permit for emergency restoration in Dallas and whether you can do disaster restoration with Dallas homeowners insurance. Having this information is critical before you start your repair work because not all insurance policies will cover mold damage. There will be different conditions that may apply. 

Most insurance companies would cover mold damage and disaster restoration due to mold only if it were caused by what is known as a covered peril. This means a problem or accident that might occur suddenly, like a pipe burst or an AC malfunction, which will lead to leaks. In such situations, mold damage will be covered by your insurance company. However, the amount covered may be limited as insurance companies don't give out much for mold damage and restoration. In such cases, you can purchase a rider that covers mold damage and get your repairs done.

When Does Insurance Not Cover Mold Damage and Disaster Restoration?

Insurance companies in Dallas won't cover your mold damage if the mold was caused because of something that the homeowner could have prevented. For example, if your house had had a leak for a long time that you were aware of but did not repair, and that caused the mold damage, your insurance will not cover it. This is because insurance companies will expect homeowners to maintain their property proactively. This includes checking for leaks, maintaining proper ventilation, and so on.

If you can convince your insurance company that the mold damage occurred due to a covered peril, your insurance will cover the damages and restoration.

Mold is a severe problem, and you must deal with it as soon as you find it in your house. Ignoring mold can cause long-term effects on your home as well as your health. Don't ignore mold. Get disaster restoration done as soon as you spot it.