Mold and Insurance Claims: What You Need To Know to Protect Yourself

Future Insurance Hassles

The rebuilding after Hurricane Sandy is well underway. But if your home floods again and mold returns, your insurance company may question whether the mold was caused by the new event and not from Sandy. Without proof that your home was deemed mold-free after repairs were made, the insurance company might take the position that a new claim is not justified or that you have met your policy limit.

Protect Yourself with Proper Documentation

An independent environmental testing company like RTK Environmental Group will provide you with a detailed report, documenting that your home is safe or is cleared to be rebuilt, and has a safe environmental toxin level (mold, lead, asbestos, radon, bacteria, and other toxins).

This documentation will be critical when you sell your home or for insurance claims. To ensure that your document will hold up in possible legal situations or in court, make sure the company that performs the testing is certified, licensed, insured, and does not perform remediation, which could result in a conflict of interest claim. Be prudent. Call RTK Environmental Group to perform the independent test at (800) 392-6468.