Each policy can different from one insurance company to another. You need to review your home owner’s policy and ask your representative to clearly explain what coverage if any you may have for mold. Always ask if there are others options to add on a trailer policy, some of these that offer more coverage can be as follows:

• Environmental liability policy
• Director and officers liability policy
• National New home

When you hire a Building Envelope Engineer or a Building Restoration Contractor they should be able to determine whether your insurance policy covers mold remediation. Mold inclusive insurance, if you don’t have it, is highly recommended to add to your policy even if your building is newly competed, this will be very advantageous if you building is determined after testing that you have level 2 or level 3 category remediation work required.

WHY TEST FOR MOLD?

Certain strains of Mold is a recognized heath hazard, these strains have been connected to heath problems such as allergies, aspergilloses, and mycotoxin poisoning.

While not all mold is harmful, growth of any micro organisms in occupied building should not be allowed. Testing helps determine the hazard level and how to handle them safely.