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Mold on the CeilingNo one likes mold. Many of us are quick to throw away moldy fruit and shower curtains. For good reason, mold gives us reasons for concern.

Mold can damage your health, and it can also damage your home. And if you don't have proper home insurance coverage, dealing with mold damage could get expensive.

How Does Mold Form?


To grow, mold needs food and moisture. In your home, a food source can be anything from drywall, to tile, to wood. When you add moisture to the mixture, mold can form.

Be on the lookout for signs of mold in your house. And if it forms, be ready to take action.

Mold Can Cause Damage


Mold can damage your home. Dampness and moisture causes mold to grow in more places than just on the shower curtains. Mold can grow behind walls, under carpets and on surfaces ranging from wood to tile.

In many cases, mold can grow undetected because homeowners might be unaware that there is a problem.

If your shower leaks behind the tile, you might not know it is a problem. Next thing you know, there might be thousands of dollars in mold damage. You might have to have walls, foundations and piping replaced.

In certain conditions, mold can spread quickly. If you don't detect mold growth early, it invade a space with such voracity that professional repairs will be needed to remove it.

Homeowners Insurance and Mold


In most cases, a good homeowners insurance policy will cover mold cleanup and removal. Yet, not all policies cover mold, and some policies may not give you the proper coverage that you need.

You should take steps to make sure that you prevent mold.
  • Check your home regularly for leaks, standing water or puddles.
  • Clean high-risk areas with bleach to kill any mold that may begin to grow.
  • Make sure your sinks and tubs are properly sealed.
  • Open your windows on dry days to let fresh air in, and drive damp air out of your house.
If you live in an area that is prone to flooding, high humidity, or other water damage, you should check with your insurance agent to make sure that your policy will provide high levels of coverage for mold damage.

Do you have questions about mold coverage in your homeowners policy? Do you think you need extra coverage? Call Affordable Insurance Group at (803) 798-4499 for a free Columbia SC home insurance quote.
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