Mold is Water Damage and Water Damage is Covered by Homeowners’ Insurance
On the very same day that the customer reached out to the Hartford Insurance, they got in contact with me. I had a conversation with a well-educated adjuster, and they approved to cover the water damage mitigation, with the understanding that the mold damage cleanup would not be able to be included. Such mold removal line items as, sanding studs and applying anti-microbial are examples of what could not be included. However, by having the homeowner’s insurance step in, all of the plumbing was able to be covered for this water damage which, ordinarily, insurance does not cover. Therefore, the plumbing invoice is generally billed separately.
Also, the adjuster agreed to pay for the removal of the wet moldy cabinets, the removal of wet effected drywall up to four feet high, along with the affected kitchen floor, along with the structural drying. Removal of the subfloor and replacement of the subfloor; detaching and reattaching the water heater, the new water heater pan, reinstalling all the plumbing in the kitchen such as the dishwasher, sink and the garbage disposal. Insurance played a tremendous role in helping this customer save on his out-of-pocket expenses. Not to mention that he gets a new floor included in the claim; also, insurance is now responsible for replacing the lower kitchen cabinets and the countertops.