Green mold remediation—or any other color—likely will cost you some green
Your homeowners insurance covers mold remediation when the mold results from a covered event like plumbing failures or water damage from covered sources.
Mold remediation costs $2,400 on average, and you should address the problem early to avoid higher costs from widespread contamination or structural damage.
You need to document the relationship between water damage and mold formation when your insurance company questions coverage or disputes the claim's validity.
Hiring a local mold removal professional provides reliable help with large outbreaks and ensures insurance companies accept your remediation claim with proper documentation.
Finding mold in your home can be a nightmarish scenario. Not only is it potentially dangerous to your family's health, but you may also worry about how to pay for remediating it. The average cost for mold remediation is $2,400, although a widespread problem can cost several thousand dollars or more to fix.
But who pays for mold remediation? In certain cases, your homeowners’ insurance or commercial property insurance may pay for at least part of the process. Learn more about the criteria you need to meet before insurance will help with mold remediation costs.
If a mold inspection confirms the presence of mold on your property, you can take steps to figure out who pays for mold remediation.
Your insurance company may pay for most or part of the mold remediation if the reason the mold appeared is a covered condition. For example, if you have a plumbing issue that exposes the home to water damage, you may end up with mold in the future. If your insurance policy includes coverage for water damage from plumbing problems, the insurer should pay for related mold remediation.
However, if you don’t have coverage for something like sewage backup, and if this issue leads to the formation of mold, the insurer won’t cover the mold removal.
Be prepared to advocate for yourself. Insurance companies may try to argue that the mold is caused by an uncovered event. You may need documentation showing the relationship between the water damage event and the mold formation.
As the residential or commercial property owner, you will likely have to pay at least some of the mold removal costs.
Even if the insurer agrees to pay all the costs for the mold remediation, you may still have to pay a deductible.
Your insurance policy may specify that the insurer only pays a portion of mold remediation costs.
If you don’t have the right coverage on your property insurance policy, you could be on the hook for the entire cost.
If another party was responsible for causing the water damage and mold formation at your property, you could seek a financial judgment against that party. Perhaps a plumber incorrectly installed a new dishwasher, leading to major water leaks and mold.
If your insurer refuses to cover the cost of mold remediation in a case like this, you could seek a payment from the responsible party. However, if the negligent party refuses to pay, you’ll need to file a civil lawsuit seeking reimbursement.
When you are looking for signs of mold in a house, start by looking in common areas where mold appears, including:
Bathrooms
Basements
Cabinets underneath sinks
Behind washing machines
Underneath dishwashers
Behind walls
Near leaky windows or doors
Underneath damp carpet
Outdoor air currents carry mold spores, and some of them may enter your home. If the spores land on a surface that has constant moisture, mold may begin growing.
Catching and stopping any water leaks as early as possible can prevent mold from forming. If you have dampness in a basement, using a humidifier or fans to dry the damp areas can help. Keeping the ideal indoor humidity level—rather than letting it climb too high—can also reduce the chance of mold forming in your home.
If you are sure you have mold, you could try to clean the area yourself. However, getting rid of mold in your home as a DIY project is only recommended for a small surface area. You’ll need to wear protective gear and use a cleaning solution like vinegar to safely tackle the mold remediation yourself.
As a better option, hiring a local mold removal professional is the surest way to eliminate mold, especially if you have a large outbreak. If you want the insurance company to help you pay for mold remediation, you must hire a professional.
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Mold remediation cost can quickly escalate. But if you have mold in your home, the cost for mold remediation is worth it.
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