If you have mold damage to your home and it is due to something that’s covered in your insurance, such as water damage, a lot of the time it is covered. If it is a mold infection that has occurred over time, it is probably not covered. These are two general rules to go by if you’re trying to get your insurance company to cover the cost of removing the mold from your home.
Insurance companies are scrambling for reasons to deny insurance claims concerning mold and what adjusters and claim representatives like to tell people intending on filing a mold-related insurance claim is that mold has been around longer than people have and that it’s not as dangerous as all the hype is making it out to be. If you are going to file an insurance claim related to mold and they tell you that, it might be a good idea (especially if your claims adjuster is Jewish or Christian) to quote to them Leviticus 14:33-48. This is a scripture in the Bible that all but plainly records what the Lord has to say about mold and the dangers of it growing in the home. It says that the house is considered unclean and the mold should be removed and disposed of properly (i.e. away from where there are people). In this way, you will possibly have the upper hand because they will no longer be able to say that mold has only been recently seen as a problem when it grows in the home. Even if you are not Jewish or Christian, the text does prove that mold has not only existed as long as people have, but that it has been a problem just as long.
If you can prove that the mold in your home was a secondary problem caused by something that is covered by your insurance, your company might cover the funds needed to correct the problem. Read over your policy and determine what is covered by your insurance policy and what is not. Whatever you do, do not let your insurance adjuster sneakily get you to agree that the mold in your home has been around for a long time or that there could be a water leak hidden somewhere near the infection. As soon as you even remotely agree to something like this, they have you where they want you. Wait until any and all investigation into the problem is completed before you agree to anything with your insurance company.
List everything you need to have covered, including the cost of you having to relocate while the mold remediation is taking place and make sure you get all of the benefits that you are supposed to get under your policy.
Jim Corkern is a writer and respected contributor to the Water damage restoration and mold remediation Industry. Visit his sites for more information.
http://www.floodingnc.info
http://www.floodnj.info
Wednesday, October 10, 2007
Mold and Your Carpet
Nobody likes mold in the house, but whether we like it or not, mold will get into your home. It comes in the house attached to the bottoms of our shoes, attached to our clothing, and through the doors, windows, and the air conditioning unit. The only thing that you have control over is whether the conditions in your home are favorable for the mold to begin growing.
Something that mold loves to hide underneath is your carpet. If the carpet is old (especially if you have it in the bathroom), you can bet there is likely to be something living underneath it. Not only does mold like to hide under your carpet, it will also make a meal out of it. In order to reproduce, mold requires moisture, warmth, and food. The carpet provides part of the insulation that the mold needs to grow under it, so all that is left for you to provide is moisture either in the form of humidity or water spills that do not get cleaned up properly.
If you think that your carpet is moldy or mildewed, you can clean it with a biocide. Biocides are produced to stop things like mold and bacteria from growing where you do not want them to. Even if you use this, though, you will still have to remove the carpet padding underneath. This padding is not cleanable and will need to be thrown away. If your carpet has been completely submerged in water and it is not just a small area, it is advised to just tear it up and throw it away, as well. Cleaning a room’s entire carpet can be costly and it’s possible that you are better off just getting new carpet.
While you are cleaning your moldy carpet, you should wear gloves. After it has completely dried, using a vacuum that has a HEPA filter on it should remove any mold spores that still remain in the fibers of the carpet.
Having wall-to-wall carpeting is not advised. If you already have it, you can reduce the chances of mold and mildew growing by removing your shoes before walking on it and disallowing pets to enter carpeted areas. Using a good vacuum cleaner (with a HEPA filter) regularly will also help to stop mold from growing. HEPA filters are about 99.97 percent accurate in removing particles from your carpet and air.
Jim Corkern is a writer and promoter of quality
North Carolina Water Damage Restoration and other states such as
New Jersey Water Damage Restoration companies across the united states.
Something that mold loves to hide underneath is your carpet. If the carpet is old (especially if you have it in the bathroom), you can bet there is likely to be something living underneath it. Not only does mold like to hide under your carpet, it will also make a meal out of it. In order to reproduce, mold requires moisture, warmth, and food. The carpet provides part of the insulation that the mold needs to grow under it, so all that is left for you to provide is moisture either in the form of humidity or water spills that do not get cleaned up properly.
If you think that your carpet is moldy or mildewed, you can clean it with a biocide. Biocides are produced to stop things like mold and bacteria from growing where you do not want them to. Even if you use this, though, you will still have to remove the carpet padding underneath. This padding is not cleanable and will need to be thrown away. If your carpet has been completely submerged in water and it is not just a small area, it is advised to just tear it up and throw it away, as well. Cleaning a room’s entire carpet can be costly and it’s possible that you are better off just getting new carpet.
While you are cleaning your moldy carpet, you should wear gloves. After it has completely dried, using a vacuum that has a HEPA filter on it should remove any mold spores that still remain in the fibers of the carpet.
Having wall-to-wall carpeting is not advised. If you already have it, you can reduce the chances of mold and mildew growing by removing your shoes before walking on it and disallowing pets to enter carpeted areas. Using a good vacuum cleaner (with a HEPA filter) regularly will also help to stop mold from growing. HEPA filters are about 99.97 percent accurate in removing particles from your carpet and air.
Jim Corkern is a writer and promoter of quality
North Carolina Water Damage Restoration and other states such as
New Jersey Water Damage Restoration companies across the united states.
Home Water Damage Causes
Despite the general knowledge that water damage is bad for any building, especially one’s home, it is not so well known just what all the possible causes for water damage are, or what factors can lead to it. The most common known causes of water damage are leaky plumbing, and leaking roofs, but there are mounds of other causes that are not as well known.
If you have a basement, and you have it insulated with fiberglass, it is easy for moisture to become trapped behind the walls, and air between one floor of the home and the basement floor can leak into them. It is because of this that insulating your home with fiberglass is not recommended, nor is installing plastic sheeting, as it is capable of trapping just as much moisture. A good idea for the insulation is using blue board, as it allows the moisture to move about the wall freely and makes the wall better able to dry off.
Problems, however, can arise if the land your home is on is sloped towards its foundation. If water is flowing towards the home, as opposed to away the home, it can seep into the basement and cause serious damage to the structure of your home, and can cause sink holes, which can cause your house to sink.
You should especially be careful to have your ceilings properly insulated in a cold climate, on account of the fact that they are not, water can leak into your house by way of what are called “ice dams”. In a warmer climate, flaws in air conditioning or air ducts can cause water damage by the formation of steam and humidity that likes to attach itself to things like roofing. And this build up can cause rotting on your roof as well as the infestation of mold, which can be harmful on one’s respiratory system as well as many other sicknesses that may result.
Improperly shielded attic hatches are another chief offender of water damage to one’s ceilings, as condensation is far more likely to gather in this manner. Lighting fixtures should be as tight as humanly possible when you install them, especially the recessed kind and exhaust fans are not directed outside from the house, it should be, whether they are in the bathroom, or places of this nature. Exhaust fans should have vents to the outside so moisture does not condense and cause avoidable water damage.
Jim Corkern is a writer and respected contributor to the Water damage restoration and mold remediation Industry. Visit his sites for more information.
http://www.floodingct.info
http://www.floodedbasementnj.info
If you have a basement, and you have it insulated with fiberglass, it is easy for moisture to become trapped behind the walls, and air between one floor of the home and the basement floor can leak into them. It is because of this that insulating your home with fiberglass is not recommended, nor is installing plastic sheeting, as it is capable of trapping just as much moisture. A good idea for the insulation is using blue board, as it allows the moisture to move about the wall freely and makes the wall better able to dry off.
Problems, however, can arise if the land your home is on is sloped towards its foundation. If water is flowing towards the home, as opposed to away the home, it can seep into the basement and cause serious damage to the structure of your home, and can cause sink holes, which can cause your house to sink.
You should especially be careful to have your ceilings properly insulated in a cold climate, on account of the fact that they are not, water can leak into your house by way of what are called “ice dams”. In a warmer climate, flaws in air conditioning or air ducts can cause water damage by the formation of steam and humidity that likes to attach itself to things like roofing. And this build up can cause rotting on your roof as well as the infestation of mold, which can be harmful on one’s respiratory system as well as many other sicknesses that may result.
Improperly shielded attic hatches are another chief offender of water damage to one’s ceilings, as condensation is far more likely to gather in this manner. Lighting fixtures should be as tight as humanly possible when you install them, especially the recessed kind and exhaust fans are not directed outside from the house, it should be, whether they are in the bathroom, or places of this nature. Exhaust fans should have vents to the outside so moisture does not condense and cause avoidable water damage.
Jim Corkern is a writer and respected contributor to the Water damage restoration and mold remediation Industry. Visit his sites for more information.
http://www.floodingct.info
http://www.floodedbasementnj.info
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