Most insurance companies in Bethlehem, PA, exclude floods, making it crucial to purchase additional flood insurance. This policy can help cover damages, but what about mold? Mold and water damage go hand in hand, so it’s important to know the details. 

Common Coverage

It’s essential to note that these policies typically only cover damage caused by rising water levels. So, water damage from a burst pipe or equipment failure may not be covered. Instead, you may have to file a claim with your property insurance. An agent at Saucon Insurance Agency can help you learn more about your coverage. 

Mold Remediation

Flood insurance may cover mold remediation, but certain exclusions apply. Your flood policy won’t cover mold if mold is already present. It also depends on your situation. If the building has mold because the water wasn’t removed immediately, the policy may deny the claim. 

On the other hand, if you couldn’t remove the water because you couldn’t get into the home due to the disaster or safety issues, the policy may still cover it. It boils down to whether the mold was a result of your action or inaction. 

Mold Coverage

Some insurance companies offer add-on coverage for items such as mold, bacteria, and rot. This type of insurance can help cover the cost of mold removal, but it is only available at select insurance companies and can be hard to find. 

Preventing Mold

The best step is to prevent mold anytime you can. Remove water from the structure as soon as possible. Ensure everything is properly dried out, and consider using a dehumidifier. Remove all porous materials, and thoroughly clean nonporous materials with a solution that can kill mold. 

We understand how frustrating mold can be after a flood. Compassionate agents at Saucon Insurance Agency can help you learn more about whether your policy covers mold remediation. Contact us to learn more. We’re currently serving the Bethlehem, PA, area.