When you own a home, unexpected issues like water damage or mold growth can quickly turn into a costly headache. At Vernon Agency in Flushing, MI, we know how confusing insurance policies can be when it comes to what’s covered and what’s not. That’s why it’s important to understand how your home insurance policy handles these common problems before they arise.
What Causes Water Damage?
Water damage can stem from a variety of sources, including burst pipes, overflowing appliances, or heavy rain that seeps into your basement. Most standard home insurance policies will cover sudden and accidental water damage. For example, if a pipe suddenly bursts and soaks your hardwood floors, you’re likely covered. However, gradual leaks or maintenance issues are typically excluded, which means it’s essential to keep up with routine home care.
Is Mold Covered by Home Insurance?
Mold is a bit trickier. If mold results directly from a covered water damage incident, such as a burst pipe, your policy may cover the cleanup. However, if mold is due to long-term moisture problems or poor ventilation, it’s usually not included. Some policies offer endorsements or riders that provide additional mold protection, so it’s worth asking your insurance agent about your options.
Prevention Is Key
While insurance can help with sudden mishaps, prevention is always your best defense. Regularly inspecting your home for leaks, using dehumidifiers, and addressing moisture issues early can save you from major headaches down the road.
If you’re unsure about what your current policy covers, or if you’re looking for more comprehensive protection, the team at Vernon Agency in Flushing, MI, is here to help. Reach out today to review your coverage and make sure your home is protected from the unexpected.
