insurance coverage for mold

Insurance Coverage for Mold

Mold can be caused by a plethora of things, whether it be burst pipes, weather, or water-related (humidity) mold can spread quickly and no one wants to find it in their home or business! But if the dreaded day does come, what will your insurance cover?

So, what exactly is mold?
Mold is a fungus that can grow quickly in damp and dark places such as basements, attics, crawl spaces or inside of walls. There are lots of different kinds, millions and millions, some are not good to come in contact with and can cause unfortunate reactions to humans. It can be hard to spot and since it grows so quickly, it can do a lot of damage in a small amount of time.

Insurance coverage for mold can be tricky and restricted. Insurance companies limit mold coverage because of so many lawsuits from their policy owners, so now coverage is narrow and very specific. The best route when choosing or looking over your policy is to make sure they cover damage, loss, and cleanup from fungus for a specified loss, as well as ensure it will specifically cover fungus caused by water damage since that is the most common kind. Since most policies will vary, it is important to speak with your agent and go over the terms and conditions that are covered by your policy, to make sure you’re up to date on what will be covered. If you are getting covered for a business, two other insurances that can help with mold-related problems, are environmental insurance and liability insurance, which can cover property damage and bodily injury.

We hope that mold is not a problem in your future, but if it is, give us a call and we will come out and help! Our mold removal process will be less disruptive and effective so that you are in a safer and cleaner environment.

sanitize home mold

What Does it Mean to Sanitize Your Home?

sanitize home moldDictionary.com defines “sanitize” as to make something free from dirt, germs, etc. as by cleaning or sterilizing.  Another definition is “to make something less offensive by eliminating something objectionable or unwholesome.”  And that’s exactly what homeowners want to do when they discover mold in their abode.

Break the Mold’s remediation system safely and quickly addresses any type of mold you may be dealing with.  The system specifically sanitizes against E. Coli and Listeria monocytogenes.   These organisms can cause unpleasant and even dangerous illness such as diarrhea, pneumonia, and kidney failure https://www.webmd.com/food-recipes/food-poisoning/what-is-e-coli#1 .  The Listeria bacteria can cause severe illness including sepsis, meningitis, and encephalitis—even death https://en.wikipedia.org/wiki/Listeriosis.

Here’s how to stop mold before it starts:

  1. Fix kitchen, bath and other plumbing leaks immediately.  Then take action to completely dry anything in the area that’s been wet.
  2. Remove visible mold from non-porous, hard surfaces by scrubbing, then drying completely.
  3. Soft, absorbent building materials and household items may need to be thrown out if they’ve gotten wet.  It’s difficult to completely sanitize this type of object. Dangerous mold can be difficult to clean on your own because it hides in carpets, wood, drywall and ceiling tiles.
  4. Preventatively increase ventilation in known moist areas like bathrooms.  Install a quality vent fan properly or crack open a window.

Most importantly, know when to call in the professionals.   Large scale water damage and flooding require the eye of a professional.  If a wet, moldy item is expensive or has a high sentimental value, a mold expert will be able to determine if the item can be cleaned safely.  Break the Mold provides safe, affordable treatments.   When in doubt, make the call to the Mold Guy at Break The Mold 269-359-0822!

mold remediation in springtime

Ahhhh, Spring!

Ahhhh, spring!  The birds are chirping, the flowers are blooming and the sun is shining!  Unfortunately, spring can also bring optimum conditions for mold growth.   But not to worry!  Break the Mold has effective, comprehensive solutions for seasonal mold issues in your home.

What causes spring mold, and how can homeowners address it?   Very simply, those rising temperatures that boost our mood and allow the plants and grass to start growing also impact mold spores.  Warmth wakes them up and starts their growth cycle.  Spring rains also add moisture to our home atmosphere.   Even small leaks can encourage serious mold problems.

DIY can get you a temporary fix, but hiring a professional for mold issues is the safest bet.  Break the Mold works with trusted contractors, experienced in working with moisture issues.  Our knowledge equals successful remediation—the first time.  Our six-step process is comprehensive and effective and eliminates mold in about a day.

We start with an inspection.  Every homeowner has a unique situation, which requires a unique, tailored solution.  Break the Mold’s detailed inspection identifies the cause of the mold and allows us to develop a plan to eliminate the factors that allowed the mold to grow in the first place.

So why can’t homeowners just clean up the mold with bleach?  First of all, bleach is a harsh chemical that leaves behind harmful byproducts.  Break the Mold uses only safe, non-toxic products.   And bleach only cleans the superficial mold you can see.  Our solutions go beneath the surface to the root of the mold issue, eliminating the cause of the mold—the most effective way to ensure it does not return.

So enjoy the daffodils, and turn your face up to that glorious sun!  Your spring mold issues can be solved simply by giving Break the Mold a call.

Kalamazoo Flood May Leave Behind Unwanted Mold and Odor Issues

This time it set a new record high-water mark.
According to measurements taken by the
National Weather Service, the Kalamazoo
River began to swell the night of
Saturday, February 23, 2018, and
continued into early the next morning.
It reached 11.69 feet at 1:30 a.m. Sunday,
the highest the river has been since it crested
at 11.53 feet late Friday, February 22, 2018.
The Friday record surpassed a 1947 record
of 10.94 feet.

While the worst of the flooding is likely over,
the cleanup is just getting started, and many
are in the process of assessing damage
to their properties. City Manager Dexter Mitchell said some residences had 4 to 5 feet of
standing water inside. Most Lakewood-neighborhood residents were evacuated, as
flooding “extremely” impacted this area.

Kalamazoo residents are encouraged to visit www.ready.gov/floods for additional
information about flood safety and what to do before and after a flood event.
Break the Mold is available to assist those with flood damage. A careful inspection of
your home is a good place to start. Each home and situation has its particular
circumstances. After an inspection, a “Game Plan” can be developed. Then we can
begin making your home healthy and
safe once again.

Break the Mold offers an air-cleaning
process that uses a vapor/mist/fog to treat
harmful, invisible airborne mold mycotoxins
and spores.

Contact Break the Mold at 269-359-
0822 today for Mold Remediation & Odor
Elimination Services in Kalamazoo and
Portage, MI. Customers can access details
at http://breakthemoldkzoo.com.