Disaster Restoration: Does Your Minneapolis Homeowners Insurance Cover It?

Mold scares everyone. It can have drastic effects on your health and property. Some of the common health problems caused by mold include coughing, eye irritation, and breathing problems. It is crucial to contact a restoration service in Minneapolis to eradicate mold and ensure it doesn't come back again. 

Sometimes, the mold cleanup can include removing the affected part of your home's structure and restoring it with a new part. This can mean getting supplies from good Minneapolis building supply yards. But the bigger question that needs to be addressed even before you start the restoration is whether your insurance company will cover disaster restoration caused by mold.

When does homeowners' insurance cover restoration in Minneapolis?

Mold is not commonly covered in homeowners' insurance unless it was caused because of a covered peril. This means that mold-related issues should be caused by sudden accidents at home like a major pipe burst or a defective air conditioner. If you can prove to your insurance company that the mold was caused by one of these issues, the company will likely pay for the insurance. 

When Is Restoration Not Covered By Insurance?

Insurance companies will not pay for your disaster restoration if the mold is caused due to something that could have been caught and repaired by the homeowner. For instance, a leak in the wall or a leaking faucet. This is because insurance companies expect homeowners to carry out regular maintenance of their properties. Not checking and correcting these issues at the right time will be considered ignorance on the part of the homeowner. Hence, insurance companies will not cover the restoration in such cases. 

Another scenario when mold remediation and restoration will not be covered is if there is regional flooding. This is because most homeowners insurance does not cover floods. You need to buy a separate policy for flood damage. Hence, any mold caused by flooding will also not be covered by homeowners' insurance.

Filing A Claim For Disaster Restoration

Disaster restoration can take a toll on your pockets if your insurance does not cover it. But even before you speak to your insurance company and get started with the repairs, you need to check if you need a permit for emergency restoration in Minneapolis. Once this is clarified, you can check your insurance documents and speak to your insurance company about filing for insurance. Most insurance policies will give you the bare minimum for mold and restoration coverage. If you feel like you will need more than what is covered, you can buy an additional rider from the company. This will increase the amount that is covered for mold remediation and disaster restoration caused by the mold. 

Mold is hazardous for both your home and your health. It is not a good idea to ignore. Speak to your insurance company about coverage and get disaster restoration done if you notice mold in your home.