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There is a lot to consider when it comes to mold insurance coverage in the Burlington, NC area. While it can sometimes be a contentious issue for some insurers, mold growth is definitely a problem that we need to consider in our state, with its high humidity and the devastating water damage that comes with coastal storms. After all, mold of all varieties can damage property and even lead to acute health risks in those who live and work in affected structures.
Know your Mold Coverage
As a North Carolina homeowner, we at Don Allred Insurance recommend that you review your current home insurance policy to learn if you are covered for mold and to what extent. If mold occurs due to poor maintenance or total property neglect, many standard policies will not cover the damage mitigation. That said, you should be completely covered if you experience sudden mold growth due to a spontaneous weather event or an accidental occurrence, such as a burst pipe.
Another coverage option is purchasing an additional rider or endorsement specifically for mold damage. These can be purchased separately from your policy and provide you with the extra coverage needed for the remediation and repair of your building. However, though they are helpful for getting the extra help you may need in an emergency, they often come with sub-limits and still may not cover all mold-related expenses.
At Don Allred Insurance, we are here to help. We pride ourselves on serving the greater Burlington, NC area, and we know how crazy the weather can sometimes get and how busy everyday homeowners are. However, it is crucial that you are proactive in addressing any water damage to your home to prevent mold issues from occurring. Proper ventilation and lowering humidity levels can undoubtedly lower your risk of developing mold.
Contact Don Allred Insurance in Burlington, NC
If you are unsure whether your homeowner’s policy contains sufficient mold coverage or are interested in purchasing an additional endorsement, give us a call or come in today. We will be glad to help!