Fixing Mold Damage Without Insurance

Fixing Mold Damage Without Insurance

Everyone has heard stories on the news about the dangers of mold in your home. It can cause many serious illnesses and breathing issues. But what options does a homeowner have when insurance does not cover mold damage? There are a few options depending on the severity of the mold and your skill level in making repairs but each one has its own risks.

Causes of Mold

Many times mold damage is the result of a flood. And if your home is near a known flood zone, your regular homeowner’s insurance will not cover flood damage or repairs for mold caused by flooding. You are required to have an additional flood insurance policy, or you will have to pay for the repairs yourself. The second leading cause of mold in homes is due to a maintenance issue such as a leaking pipe, faulty appliance or an overflow of a sink or bathtub. These can be smaller amounts of water and can go unnoticed until the mold has become a sever issue.


If you are relatively handy and the mold is in an isolated area, then you might be able to do the cleanup and repair yourself. But this can be dangerous if you do the work improperly. Mold spores can be released into the air and other areas of your home and cause more extensive damage. It is always better to consult a more remediation specialist whenever possible.

Calling The Pros

Mold removal and clean up can be very expensive and can require several days to complete even a small project. In most cases, the area must be sealed off to ensure that the rest of the home is not contaminated. And as you might expect, this work can become very expensive very quickly as the extent of the mold could be hidden inside walls and floors. But a professional will remove the mold and be able to assure you that no more mold is in your home to cause a health risk.

A Less Expensive Option

If you have discovered mold in your home and are unable to afford the costly professional removal and repair service, then there is another option. Contact Higher Offer today for a quote to purchase your home in as-is condition. We will make you a fair offer so that you can move your family to a safe home without the worries and the high cost of removing the mold. Our team will even complete all of the purchase documents so that you do not have to pay a realtor. Our goal is to see that you and your family are happy and safe in a new home.

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