Be Bold About Mold
July 04, 2018
It is easy to forget abundance of life around you in your day-to-day activities. Whether it is the pro-biotic culture in your yogurt or your favourite blue cheese. But what we should be thinking about is what life are we forgetting about underneath our floorboards? Sure, mold had a starring role in developing penicillin, but that doesn’t mean that it needs to have one in your home.
Mold is often one of those things that we might try and rationalize to ourselves. The black grout in the bathroom? It’s just a little dirty, right? Wrong. Mold spreads by generating spores. The spores then travel through air, water, or physical touch to other places where they begin to grow. Mold is not like a spider that can be trapped underneath a glass, it is a constant threat to the health of you and your property. Every breath whether you are awake or asleep could contain spores if your house has mold. Knowing all that, it is easy to see where Erin Brockovich got her temper.
Mold is also excluded from most home insurance policies. This is why it is critical to make sure that you actively prevent mold and maintain the right level of insurance for your home. After all, a home is most people’s largest investment and it should be taken care of as such. There are additions you can purchase for mold, and in drier climates the appropriate insurance is much cheaper.
But how do you prevent mold in the first place? Since mold can grow pretty much anywhere, it is important to make sure that you control the humidity levels in your home and think critically about the spaces in which you have (or shouldn’t have!) running water. Areas like your bathroom, cooking areas, laundry, and ventilation are great places to start. There may even be some home improvement items that are on the back burner, like a leaky window, that are ripe for mold.
Here’s some things that you can take control of:
- Promptly fix leaky roofs, pipes, etc.
- Clean and dry flooded areas of your home carefully.
- When in the shower, pay attention to the surfaces around you.
- Inspect above your stovetop and wherever else steam may go when you are cooking.
- Check hoses and fittings on appliances, sinks, toilets, dishwashers, laundry machines, etc.
- Use household cleaners with active mold-fighting ingredients.
- Clean the gutters on your home to avoid overflow.
- If your basement has a history of flooding, pull up the carpet.
- Remove and dry any upholstery, padding, etc. within 48 hours of flooding.
Keep in mind that home insurance does cover things like burst pipes. Likely, there will be water damage associated with burst pipes, and that water damaged area is covered. By leveraging your existing policy, you can get the area cleaned, repaired, and dried.
Keeping you and your home healthy by keeping mold out is just something we at Navigators do for our clients. We won’t force you to give up your blue cheese, but we can help you keep mold where you want it.
Related Insurance Resources
Track Day events are a truly unique experience. You meet people with similar interests to you, you learn and develop new skills and you live out your childhood fantasy of taking Forza to the real world. If you've been looking for a reason to get on the track, now is the time.