After years of increasing mold-related insurance claims, many insurers have decided not to cover mold claims anymore. This is especially true for Texas, Florida, and even California, as well as many other states. As a result, many homeowners have had to purchase separate mold insurance policies if they want the additional coverage. One of the only ways that mold is covered under normal homeowner's insurance policies is if the mold was directly caused from a water-related event that is covered under the policy.
When homes in Texas are damaged by floods, sewer back-ups, and other water leaks, it can lead to mold if it is not detected and cleaned properly.
In order to prevent mold damage from occurring in your home, practice these tips:
- Inspect the damp areas of your home frequently
- Look for water stains
- If you smell a musty order or if there is a damp feeling in the room, conduct a more in-depth search
- If you find any water leaks, repair them immediately and dry the area thoroughly
- Clean out gutters and drains often
- Make sure your clothes dryer exhaust is clear
- Open exhaust vents in your kitchen
- Use an air conditioner to keep humidity below 60%
- Use a de-humidifier if you notice condensation forming on your windows
However, if you discover mold in your home, make sure you clean the area with detergent and water.
You may need to pull up wet carpeting and hire a professional to help remove it. You can also find more information on how to clean mold properly on the EPA's website.
If you believe that you have a water damage claim or residential mold claim in Texas, you should carefully read your insurance policy to determine your coverage. It is also beneficial to talk with an experienced insurance claim attorney to find out what you may be entitled to.
Call a skilled Texas insurance litigation lawyer to help you understand your insurance rights. An attorney qualified in this area of the law will be able to fill out your insurance claim correctly and negotiate on your behalf to help you get the most compensation possible. Call the Voss Law Firm today at 888-614-7730 for a free legal consultation.
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