Insurance
Mold coverage hinges on what caused it. We document the water source and remediate to standard so a covered claim is handled right.
Overview
Mold is often covered when it results from a sudden, covered water event, and often excluded when it grows from a long-ignored leak or humidity. Some policies add a mold endorsement. The key is the cause, so we document the water source alongside the remediation. We are also New York State licensed, which matters when a claim requires licensed work.
Good to Know
Mold is one of the most commonly limited or excluded items in a homeowners policy, and claims get denied for predictable reasons. Most policies only cover mold when it results from a sudden, covered water event (like a burst pipe), not from a slow leak or ongoing humidity the insurer considers a maintenance issue. That makes the water source the whole ballgame: proving the mold came from a covered loss, and acting quickly, is what gets a claim paid. Many policies also cap mold remediation at a set dollar amount. We document the moisture source, tie the mold to it, and write the remediation scope the way carriers expect, which is often the difference between a covered claim and a denial. For NYC renters and owners dealing with an HPD violation, proper documentation matters twice over.
How We Help
We photograph the loss, log daily moisture readings, write the estimate in Xactimate, and communicate with your adjuster directly, from the first inspection through final payment.
Questions
Sometimes. It often depends on whether the mold resulted from a sudden, covered water event, and on whether your policy has a mold endorsement. We document the cause.
Because coverage usually follows the cause. Mold from a covered burst pipe is treated very differently from mold from a leak that was ignored for months.
Yes. We hold a New York State mold remediation license and remediate to standard, which matters when a claim requires licensed work.
Water, fire, mold, or sewage, one call starts the recovery. We show up fast and we do not leave until it is done right.
Call 646-543-2242 Request ServiceRequest Service
We'll call you right back, and give you a free estimate. For an active emergency, the fastest way to reach us is by phone, day or night.