When is Mold Damage Covered by Homeowners Insurance

Mold can come as a shock if you are not expecting it.  What is more startling is finding out that your homeowner’s insurance may or may not pay for the damage. Here is what you need to know about situations behind mold cleanup and insurance coverage in Ball Ground, GA.

Covered Peril

Covered peril is a term that is uncommon to most homeowners. In an insurance policy, peril refers to a specific risk that is caused by a flood, windstorm, fire or other natural elements. Most mold cleanup and remediation is covered by your homeowner’s insurance policy when mold is caused quickly by peril. 

Additional Mold Coverage

A homeowner that discovers a patch of mold from a leaky pipe behind a wall is not likely to be able to file an insurance claim.  However, if this type of hidden damage is a concern, check with your insurance agent about additional mold coverage. An insurance company, like The Sanford Group, will be able to provide estimates and help you weigh the pros and cons of additional mold coverage. 

Should Mold be a Concern

Mold should always be taken seriously. However, the amount of mold and the reason for its presence should dictate whether an insurance claim should be filed. For example, the weather in Ball Ground, GA can get very hot. Condensation may form around windows from humidity and cause mold to grow. By fixing the leaks and cleaning the small spots of mold yourself, you can save money and still have peace of mind.

Mold coverage by an insurance company, like The Sanford Group that serves Ball Ground, GA, should only be considered when catastrophic events create a danger to property and health. 

 

 

 

 

 

What do I do if my car was the only one involved in an accident?

Being in an accident is stressful and can be frightening. Many people panic, which can lead to making a decision which isn’t the best.

Drivers in Ball Ground, GA should call 911 after an accident so an officer can come help out at the scene. The law enforcement officer is required to file an accident report if the physical damage exceeds $500 or if anyone has been injured or died as a result of the accident.

If you were the only one in an accident, the same basic rules apply. Sometimes you are the only one injured and only your vehicle was damaged.   Single car crashes happen for a variety of reasons, including:

  • Bad weather, especially when visibility is poor.
  • Poorly placed or missing road signs.
  • Driver inattention or fatigue.
  • Bad driving by other drivers.
  • Mechanical problems with your vehicle.

If you call 911, an officer will come and help you assess the situation. You may not realize you are hurt, but you are probably shaken up.  It may also be difficult on your own to find the information for the property owner if there is damage. The Sanford Group can help you if you want to learn more about filing accident reports.

If you have an accident report in Ball Ground, GA, the other party cannot use it as evidence against you. Georgia specifically disallows this kind of evidence, so a report filed with the Department of Transportation or resulting actions were taken by the Department of Driver Services cannot be used in court to prove a case against you.

Accident laws can seem confusing, and you don’t want to do the wrong thing and pay for it later. Please call  The Sanford Group if you have any questions or if you want a free quote on a new policy.