The warm and humid weather in Denton, TX, coupled with the area’s vulnerability to flooding, can lead to serious mold problems that could take tens of thousands of dollars to remediate. Thankfully, insurance can pick up the tab for this if you purchase the right policy.

Flood Insurance Coverage for Mold Damage

Mold growth is typically caused by a lack of maintenance. Failure to notice a leaky pipe or faucet, poor ventilation, and/or damp carpeting that doesn’t dry out fast enough are common causes. Since flood insurance is designed to cover a catastrophic, unexpected occurrence, it won’t compensate for mold remediation unless the homeowner can prove that the mold damage was caused by the flood and not pre-existing conditions. This same point applies to home insurance policies that cover mold damage caused by a leaky or burst pipe.

If you want coverage for mold remediation, talk to your insurance agency about your current home or flood insurance policy. Ask what’s covered and what paperwork you need to show in order to apply for compensation after a flood. You’ll also want to set a deductible that works well for your budget. 

Need Help? Give SWH Insurance Agency, LLC a Call

Your home is likely your most valuable asset, and mold can cause catastrophic damage to your home structure and your health if not promptly remediated. If you want to ensure your home insurance policy will cover the cost of eliminating mold after a flood, call our team at SWH Insurance Agency, LLC to learn more about your policy options. We specialize in helping Denton, TX homeowners purchase coverage that offers maximum protection at the best possible price.