Standing water creates the perfect environment for mold spores to flourish, creating fuzzy walls, toxic furniture, and a hazardous environment for your family. Flood insurance may be able to help homeowners in St. Augustine, FL, but it depends.
What Counts As A Flood?
A flood is defined as damage that occurs due to water rising from the ground up. For example, if heavy rainfall causes flooding or a lake rises to the point where it floods. Other incidents, such as an overflowing washer involving water, do not count. Policies will only provide coverage if the incident meets the company’s definition of a flood. Call an agent here at Tim Huber Insurance to learn more about the details.
Was The Water Removed Promptly?
How quickly you take action after the disaster can determine whether your claim gets denied. If you leave the house, even though it’s not declared unsafe, and don’t return to remove water for weeks, the company will likely look at that as the mold being caused by your neglect, which won’t be covered.
On the other hand, if you can’t get into your home because an authority has deemed it unsafe, making it impossible to remove the water, your policy provider might help cover the cost. Coverage can depend on the situation, so it’s always important to give your agent as many details as possible.
Pre-Existing Mold
Companies will rarely cover mold removal if there was already mold in the home. For example, if you had a few spots of mold before the flood and it rapidly multiplied afterward, it won’t be covered.
It’s always a good idea to ask one of our agents here at Tim Huber Insurance about your situation to determine if mold removal will be covered. We’re ready to help you any way we can. Contact us today. We’re currently serving the St. Augustine, FL area.
