If my home has any mold under the siding that was installed by the previous owner and if my windows are falling out (literally) is there any way that
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UPDATED: Feb 10, 2013
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Insurance Question from Toledo, OH
Asked on 02/10/2013
If my home has any mold under the siding that was installed by the previous owner and if my windows are falling out (literally) is there any way that Is ther e any way my insurance will cover at lleast a portion of the cost of new wiindowsa and siding? The house was a Fannie Mae sale 3 years ago?
Answer given on February 12, 2013
Under the homeowner insurance policy, the coverages for damage are from “sudden and accidental damage. Your issues of mold and windows falling out do not seem to fit that description.The mold issue could be a faulty installation, which is usually specifically excluded under the insurance policy. The windows could also be faulty installation, unless there is a specific cause of these problems.You can ask your insurance company to review the damages to see if anything is covered. However, a reported claim could increase your premium, as you would lose your claim free discount. Also, the deductible will apply to anythkng that may be covered, so you may not get much from the insurance company.Get an estimate for the replacement of the siding and windows and try to determine the cause of the window problem. This information can help you decide whether to try to file a claim or not and whther it is worth it.
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