How Insurance Companies Work with Mold Removal and Mold Damage

Mold damage on ceiling

If you have mold in your home or business, or if you suspect mold is growing, it’s time to find a mold removal and remediation company. You probably have questions like: Is mold damage covered by insurance?

Ram Restoration offers mold removal, remediation, inspection and repair for both residential and commercial buildings. We are the Dayton, Ohio, and surrounding area’s trusted resource for mold removal.

As a certified mold inspector, Ram Restoration provides full mold inspection, removal and cleanup services, including:

  • Inspection of the specific source or sources of the moisture problem
  • Evaluation of the severity of the problem by a certified mold inspector
  • Completion of air sample testing through a third-party lab
  • Recommendation of a course of action
  • Mold remediation, removal, cleanup, and repair

Ram Restoration also will implement a continuous protection solution for prevention of future mold.

Does insurance cover mold removal?

Many homeowner policies only cover mold removal when it is a direct result of another covered incident, such as water damage. Mold that is related to a “covered peril,” for example, a burst water pipe. Unfortunately, most insurance does not cover mold removal as a result of a flood. That would only be covered in relation to any additional flood insurance you may have.

Some policies offer supplement options to cover mold damage. If you have one of these supplemental policies, it may cover the cost of mold removal.

If the mold growth is the result of negligence on the part of the homeowner (for instance, ignoring a leaking pipe), your claim may be denied.

The details of an insurance policy can be difficult to determine accurately. If you have questions about your insurance, and if it covers mold removal, the team at Ram Restoration can help. We’re skilled at working with insurance companies, and we can help you determine what would be covered and what would not be covered. We also can help you file your mold damage insurance claim.

Does homeowner’s insurance cover removal of black mold?

Black mold falls under the same category as other mold growth. Homeowner’s insurance will cover it if it is related to a covered peril. If you have supplemental insurance, it may cover the black mold removal.

If you are wondering if mold is covered by insurance or need help with your claim, let us assist.

Does mold have to be professionally removed?

It is always advisable to have mold professionally removed. Ram Restoration is a certified mold inspector. We will inspect your property for mold and moisture problems and handle mold remediation.

In addition to residential mold removal, we offer commercial mold removal for schools, factories, apartment buildings and condominiums, shopping centers. food processing plants, restaurants and grocery stores, medical facilities and nursing homes.

Do you need mold removal and remediation?

Contact Ram Restoration for certified mold inspection, mold cleanup, mold removal and mold remediation in Dayton, Washington Township, Franklin, Beavercreek, Kettering and surrounding areas in Ohio. We also offer full emergency restoration services.