This info-graphic titled ‘3 Handy Tips to claim insurance for Mold Damage’ provides us an overview of filing mold damage claims. As a starting point, most insurance policies do not provide coverage for molds. That is, most insurance policies explicitly state that they do not cover damage if the primary cause of it is mold, for instance say rising damp. Nevertheless, some of them will pay if the mould damage is supplementary to an insured event. For example, a storm causes damage to a roof or a pipe bursts and mold evolves as a result of the water leaks.
Thus, having established that the property has been broken-down by an insured event, it is then obligatory to prove that the mould was caused by the insured damage and the consequent water. This may sound unambiguous, however establishing: the presence of mold at a geographical area; and the likely cause of that contamination, can be much difficult. Establishing that mold is present at a property will necessitate an expert witness to examine the property thoroughly and give an opinion about the likely source/cause of the mold. For more detail, please refer to the info-graphic below.
