Homeowners Insurance Claims and Mold in NC
Mold injuries in North Carolina can cause allergies, lung inflammation, asthma, and lung disease. High levels of humidity in NC, its proximity to the coast, and history of getting hit by hurricanes make it a prime environment for mold growth. Mold can become a problem in homes far from the coast if there is a change in moisture levels from a flood from external water or even a pipe bursting. Once rugs, sheetrock or insulation show signs of mold, the only way to get rid of it is to completely remove the contaminated material and replace it. Plus, homeowners need to make changes to their living environment to control humidity, which can be as simple as getting a dehumidifier.
Toxic mold settlements in NC have reimbursed homeowners through buybacks or repair costs who purchased homes built by negligent contractors. What happens when a homeowner discovers mold in their house, pulls out their insurance policy and discovers that homeowners’ insurance claims for mold are not covered? Most people are aware that they need additional coverage for flood insurance or earthquake damage, but when it comes to mold, bacteria, wet and dry rot, they often need additional coverage added to their standard policy.
Homeowners still may not be covered for mold damage and injuries, even if they do have extra coverage for mold issues. Homeowners must show responsible ownership. Negligent ownership, like failing to remove standing water in a basement or not installing proper ventilation in an attic, typically voids mold claims.
If you’ve just purchased a home and discovered an inspector failed to find a serious mold problem, contact a NC mold injury attorney at Brent Adams & Associates. Injury attorneys in Raleigh, Fayetteville and Dunn help victims of mold contamination receive compensation for their damages. Our attorneys also handle insurance dispute cases, so if you’re not receiving the coverage outlined in your policy, we can help you with your insurance dispute too. Schedule a free consultation to learn more.
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