Owning a home means you could face a wide range of risks over time. While you may understand the importance of home insurance for claims like fires and theft, what happens if a family of raccoons moves into your attic or a hidden leak causes mold to grow in your basement? Understanding your coverage in these situations can be more complex.
At Rob Hill Insurance Group, we are here to help you determine if your policy can assist. If you need home insurance in Atlanta, GA, that covers your risks, contact us for immediate assistance.
Pest and Mold Damage to Your Home
Home insurance typically does not cover pest or mold damage. These issues are often considered preventable and result from maintenance problems. Home insurance is designed to cover accidental and unavoidable losses. However, there are some situations where coverage may apply.
For instance, if the issue occurs suddenly and is caused by a covered peril, your policy may provide assistance. For example, if a pipe bursts due to freezing temperatures and mold develops as a result, your insurance may cover the damage to some extent. On the other hand, if mold develops over time due to a slow leak, your home insurance is unlikely to cover the losses.
The same principle applies to pests. Infestations from termites, bees, or birds are generally considered maintenance issues. Unless your policy includes specific coverage for these situations, you may not be able to file a claim.
Let Us Help You Protect Your Home
At Rob Hill Insurance Group, we can help you find the right type of insurance to protect your home. Contact us to discuss home insurance options in Atlanta, GA, that address your risks and provide peace of mind.