Mold & Your CT Home or Renters Insurance
We’re getting into spring, which means more rain and wet weather. Don’t let the rain and wet weather hurt your home and possibly your family’s health by allowing mold to grow in your home. Here is some information about mold and what it could mean for your home and family.
Why is mold growing in my home?
Typically mold occurs outside, where it is needed to break down organic matter such as fallen trees. Mold reproduces through tiny invisible spores, and if those spores land in your home mold will grow. All types of mold depend on water and moisture to grow.
Can mold cause health problems?
Molds produce substances that can cause allergic reactions, skin irritants, and in some cases potentially toxic substances. Inhaling mold can cause allergy problems including fever, sneezing, and red eyes. It can happen right away or there can be a delayed response and even people that are not allergic can undergo allergy symptoms when exposed to mold.
How do I get rid of mold?
There is no way to completely eliminate mold spores in your home; they can be in the air or in dust in the home. The only way to control mold is through eliminating and controlling the moisture levels in your home. You must clean up the mold and fix the moisture issue in your home in order to prevent the mold from not coming back.
Mold is a serious concern for both homeowners and renters. This is a tricky situation for insurance, sometimes it’s covered and sometimes it’s not, depending on how the mold occurs- it’s very important to talk to your Encharter Insurance agent about coverage concerns. More importantly though, prevention is key- any time neglect is present or the insured waits to file the claim after discovering the existence of mold they are putting themselves at high risk for claim denial. Talk to your Encharter agent today about coverage for mold under your CT homeowners insurance or CT renters insurance.
Read More
Recent Comments