Indoor Air Quality

What You Should Know:

Indoor air quality is an issue that has captured a lot of attention over the last few years. As a nation we are doing more and more to control our environment in the workplace, our vehicles, and our home. Indeed, the Environmental Protection Agency (EPA) estimates that many individuals spend over 90 percent of their time in conditioned environments. Although controlled spaces protect us from the extremes of weather and temperature they can also serve to trap pollutants around us

The emphasis of IAQ in the workplace is prompted by the fact that a large number of people are gathered in a single location, which makes it easier to document the common complaints and symptoms. However, by its very nature of being a workplace, such locations are gathering places for the fittest members of our society (with the exceptions of schools, nursing homes, and hospitals which serve as workplaces for the staff but have contact with a broad spectrum of our population). It is the home where groups that can be more easily and severely impacted by indoor air quality spend most of their time. It is at home where we find important subgroups of our population that are more susceptible to illnesses exacerbated by indoor air quality problems, including infants, children, the elderly, and individuals recovering from significant injuries or illnesses.

Colyer Services is Central Florida’s leading Indoor Air Quality Inspector licensed for removal and remediation, providing testing and removal services for all indoor contaminants which may lead to health problems in people who are sensitized. If you believe you have symptoms of, or any issues with mold or any other indoor contaminants, give Colyer Services a call today! We work with all insurance companies!

Mold and Your Insurance Company

Does Homeowners Insurance
Cover Mold Removal?

Don’t wait until you have a household mold problem to ask “does homeowners insurance cover mold removal?” Find out in advance if your insurance will cover a problem if one arises. Mold removal can be extremely costly, so you don’t want to find out too late that you’re not covered.

Coverage really varies from policy to policy, so the only way to know for sure if your policy will cover mold removal is to read your policy carefully. Colyer Services will analyze your policy for you, if you believe you have mold. Some insurance policies contain exclusions, specifically saying they will not cover mold removal. Some will cover mold removal only under certain circumstances. Some will pay for mold removal but not for mold testing, even though you may need to have your home tested for mold in order to find out if there is mold there that needs to be removed. Some will pay only a limited amount for mold removal, even if the actual mold removal process costs more. In some cases, you can pay extra to have insurance for mold remediation.

Contact your insurance agent if you have any questions about your policy. If your policy doesn’t currently cover mold removal, find out if you can add that coverage to your policy. It could save you thousands of dollars down the road.

The Cause of the Mold Problem

In many cases, homeowners insurance mold coverage depends on the cause of the mold problem. Many different things can lead to the growth of mold in the home. If mold results due to a sudden and accidental issue, like a burst pipe, which is covered, insurance is more likely to cover mold removal than if the mold is a result of neglected home maintenance.

Here are some examples:

Water Damage Following a Fire

Homeowners insurance usually covers fire damage. Unfortunately sometimes the water used to put out a fire can lead to later mold problems. If mold results from a fire that is covered by your homeowners insurance, your insurance policy will probably cover the mold removal, as well. Colyer Services covers Fire, Water, and Mold Damage

Water Damage Following a Flood

Mold is a common occurrence after a home has been flooded. Homeowners insurance often does not cover flooding, unless you specifically purchase flood insurance. If your insurance policy does not cover flooding, it probably will not cover mold that results from flooding. It may, however, cover mold following a flood if you have flood insurance. If you live in an area prone to flooding, this is definitely something you should look into.

Water Damage from a Leaky Roof

Homeowners insurance usually won’t pay for water damage that results from a leaky roof, and most policies won’t cover mold damage that results from a leaky roof, either. However, if something happens like a tree limb falls and crashes through your roof, leaving a hole in the middle of a rain storm, that damage usually will be covered by homeowners insurance. In that case, your insurance policy might also cover any resulting mold damage.

Water Damage Due to Broken or Leaky Pipe

Homeowners insurance does not usually cover water damage due to something like a leaky pipe. If your insurance policy doesn’t cover the damage due to the leaky pipe, it probably will not cover a mold problem caused by leaky pipe, either. Some insurance policies will pay for damage resulting from a burst pipe, though, and in that case, they may cover a mold problem resulting from that burst pipe, as well.

Mold Remediation

If you’ve got a mold problem and hope to get your insurance to cover the cost, you’ll need to start by having a consultation with a mold removal professional, like Colyer Services. Our services include Mold Analysis by a third party Lab, inspection, and write up that explains the scope of the problem, the work needed, and the estimated cost that you can give to your insurance company. They may also find “hidden mold” that you weren’t even aware of.

Colyer Services works with all insurance carriers to help you get your claim paid, as well as repair your home!

Toxic Mold Concerns

Hidden Toxic Mold Concerns

Concealed Mold
Concealed Mold

More and more homeowners are filing insurance claims and lawsuits over toxic mold, and insurance companies are worried the claims could overwhelm them.

“The insurance companies thought the asbestos problem was enormous, and this is going to make that look small,” said Jeff Greene, a public insurance adjuster.

The image above was photographed by Colyer Services, showing a severe infestation of black mold identified as Stachybotrys, the most toxic mold spore that can be found in the home.

If you feel your home or business may have a mold issue, contact a qualified, licensed Mold Assessor and General Contractor that works directly with your insurance company.

Contact Colyer Services!