Insurance Claims Associated With Water Damage & Mold

insurance claims May 21, 2018

Will an Insurance Company Pay For Environmental Testing?

Though terms of insurance policies vary depending on numerous factors, often damages to property associated with rainwater and plumbing leaks are coverable.

Though an insurance company may not suggest environmental testing, they will often approve covering costs associated with testing if the property owner requests it and if their preliminary evaluation of the claim indicates that the claim is coverable.

Scope of Work

The extent of coverable repairs can be influenced by the scope of work defined by an adjuster or repair company, which is often limited to what they can visually observe. Often the scope of work needed to address airborne mold and/or bacteria associated with water damage may be much greater than what can be observed with the naked eye.

Lab analysis for microbiological contamination can indicate that additional work activities need to be performed to reduce levels of contaminants associated with...

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