Will I be able to make a claim for mold damage and removal when the mold was caused by damage to the house that existed prior to me getting insurance?
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UPDATED: Feb 7, 2014
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Insurance Question from Columbus, GA
Asked on 02/07/2014
Will I be able to make a claim for mold damage and removal when the mold was caused by damage to the house that existed prior to me getting insurance? A tree fell on my house before I bought it. I was told the damage was completely repaired and I have had no issues for 6 years. I recently have had a problem with mold in my bedroom and I have traced the likely source of the problem to a **** in the wall which appears to have been left from where the tree fell. My insurance company, GA Farm Bureau, knew about the tree damage before they agreed to insure me. Can I make a claim for the damages caused by the mold even though the source was from before I had insurance coverage? Thank you for any help.
Answer given on February 12, 2014
A homeowner claim needs to be filed by the owner of the property at the time of the loss. Since you did not own the property at the time the tree hit your home, you cannot file a claim.Most insurance companies have a very limited coverage for mold damage to a home. There must be a claim filed for physical damage to the home and then a limited amount of coverage is available for mold damage. Most insurance companies have a limit between $25k and $50k and some have an even lower amount available.If you know who the previous insurance company was, you can see if they will accept any liability for the mold damage to the home. While it is unlikely, there is a possibility that they will pay something, but it will be a limited amount, if they pay anything.Since the previous owner appears to have disclosed the tree damage, they would have no liability for the mold damage in the home, presuming they made proper repairs to the home.
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