Does Home Insurance Cover Mold Remediation?

Mold remediation involves the safe removal of mold from your home. Mold remediation can be costly, especially if you have a large amount of mold in your home. Here at the Insurance Center of Green Valley, providing residents in the greater Green Valley, AZ area with home insurance policies, our clients have asked if home insurance covers the costs associated with mold remediation. The answer to this question is not straightforward and can be complex. Read along to find out some general information about this topic. 

Does Home Insurance Cover Mold Remediation?

Your home insurance policy may cover mold remediation, or it may not cover mold remediation. The simplest way to determine if your policy may or may not cover the remediation is to determine why mold is growing in your home and to determine if your home insurance policy covers that reason. For example, if a pipe bursts in your home and the water damage leads to mold that needs to be removed, your policy will likely cover the mold remediation as your policy covers pipe issues. However, suppose heavy rains caused your basement to flood, which is why mold grew. In that case, your policy likely will not cover mold remediation, as flooding due to heavy rains is typically not covered under home insurance policies. 

Your home insurance may or may not cover mold remediation costs, depending on why mold is present in your home. If you are a resident of the greater Green Valley, AZ area and are in the market for a new home insurance policy, the team at the Insurance Center of Green Valley would love to help you find the right policy. Call us now to learn more about how we can help you. 

What type of support does a commercial insurance plan provide to an Arizona business?

The Green Valley, AZ area has continued to provide many advantages to small business owners. While you can benefit by running a business in this part of Arizona, there are standard risks that come with operating any business. Some of these risks can be mitigated with proper insurance. When you have a commercial insurance plan, you will receive various types of support.

Coverage for Business Assets

If you invest in a commercial insurance plan, you will first obtain coverage for your commercial assets. Most businesses will need to purchase equipment, tools, inventory, and other assets to get up and running. The right commercial policy will give coverage for those assets if they are damaged in an accident or fire, if they are stolen, or if you incur another type of loss. 

Offset Liability Risks

It would be best to consider getting a commercial insurance plan to offset your liability risks. Businesses will always have commercial liability risks, and being found liable for an accident could result in a significant loss. However, if you are insured with the right type of policy, you can have coverage to offset these risks. Your insurance provider will offer liability coverage up to the limits of your insurance plan. 

The Green Valley, AZ area has continued to provide many opportunities for success for small business owners. If you aim to start a business here, a commercial insurance policy is helpful. Once you start looking for this coverage, it would be wise to call the team with the Insurance Center of Green Valley. The team with the Insurance Center of Green Valley knows how important this coverage is, and they will give guidance so you select the right plan. Contact our office to get started with a quote.