If you have water seepage following storms, take corrective measures to alleviate future problems. Water damage such as rust, rot, mold and mildew are specifically excluded in standard homeowners policies. Mold contamination is only covered on a limited basis under the homeowner’s policy if it is the result of a covered peril such as a burst pipeline.
Erie Insurance recommends the following tips to prevent the growth of mold in your home:
- Keep the humidity level in your home between 30 to 60 percent by using air conditioners or dehumidifiers.
- Put exhaust fans in kitchens and bathrooms and don’t install carpets in damp areas such as bathrooms and basements.
- Clean bathrooms with bleach and add mold inhibitors to paints before application.
- Fix leaky pipes, faucets and hoses.
- Keep gutters clean of leaves and other debris and maintain your roof to keep water from seeping into your home.
- Remove standing water since it is a breeding ground for microorganisms, which can become airborne and inhaled.
- Wash and disinfect all areas that have been flooded. This includes walls, floors, closets, shelves, as well as heating and air-conditioning systems. Properly dry or remove soaked carpets, padding and upholstery within 24-48 hours after a flood to prevent mold growth. Anything that can’t be properly dried should be discarded.
Although cleaning up the mold is important, it will reoccur if the area is not kept dry. The most effective way to treat mold is to immediately correct underlying water damage and clean the affected area as soon as it appears.
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