Does Allstate Insurance Policy Cover Mold Damage?

5/18/2020 (Permalink)

SERVPRO is an Allstate preferred vendor!

Being a building owner in Dayton, Ohio, you might have an Allstate insurance policy that covers fire and water damage. Did you know that mold damage can be just as destructive to your property? Mold grows on various parts of your structure's premises. 

Materials that home mold grows on: 

• Drywall 
• Paper 
• Wood 
• Carpet 
• Tile  

As mold grows on these surfaces, it destroys the materials by using them as a source of food. If any mold gets into your air duct system, then you will be in trouble. When mold gets into an air duct, the mold spores can spread throughout the building, quickly causing mold growth in different areas. Luckily, mold coverage is covered in standard Allstate home insurance policies.

Allstate Mold Damage Coverage 

Like many other national insurance companies, Allstate has partnered with SERVPRO making us a preferred vendor. They are one of the only insurance companies that offer mold coverage. The only downside is that Allstate imposes a $5,000 coverage limit on mold damage claims. Mold damage is not a big concern for Dayton residents because the climate here is not humid and damp. In a more wet and humid environment, we would suggest switching insurance providers to one that offers full coverage on mold damage. 

What are the causes of mold damage?

When examining the growth of mold, it is essential to know that mold thrives in wet areas. Damage from heavy rainfall and floods are the common source to activate mold damage. Here at SERVPRO of East Dayton/ Beavercreek, we suggest everyone gets flood insurance on their Allstate policy. 

SERVPRO are preferred vendors of Allstate 

Being a preferred vendor of Allstate means that we will work closely with your Allstate insurance adjuster if your home or building suffers from mold or water damage. Allstate and SERVPRO corporate hold us to an industry-standard set by the Institute of Inspection Cleaning and Restoration Certification (IICRC). Being a preferred vendor means that all restoration related work performed on your property will be completed according to the standards set forth. 

We make sure that your mold insurance covers several aspects of the cleanup process. In severe cases, where mold growth has been neglected for several months, a mold remediation specialist will have to tear out walls and ceilings to make sure all the mold spores are removed. 

Your insurance claim should cover both the mold removal and the testing that will be performed on the structure to ensure all of the mold has been properly remediated.

How To Avoid Mold Damage

Mold damage in Dayton Ohio can be avoided by making sure you call a water damage specialist anytime a leak or a pipe breaks. Many water damages in the Dayton area occur from a flood in basement after heavy rainfall or a home water heater breaks.

If your home suffers from any water damage, it is best to give SERVPRO of East Dayton/ Beavercreek a call at (937) 228-3433. Our highly trained professionals will make sure mold growth does not occur after water damage strikes.