When people discuss
Pests
According to bankrate.com, insurance companies consider pest infestation as a maintenance issue, which are not usually covered. Therefore, if rodents infest your house, chew on your electrical wires and damage your electronics, you shouldn't expect compensation from your carrier. The insurance company's reasoning is that you could have prevented or dealt with the rodents before they destroyed your property.
Mold
A mold problem may or may not be covered depending on what is causing it. This is because many mold problems are caused by non-covered water perils such as flooding, continuous water leaks, and high humidity resulting from inadequate maintenance. You should only have some hope for compensation if the mold is caused by a covered peril, such as an accidental fire that damages your water pipes and causes them to leak.
Sewer Backup
The decision not to cover sewer backup has to do with the normal causes of these damages. A backup may be occasioned by a:
Both of these are things that aren't covered by a standard homeowners' insurance policy, so the resulting backup will not be covered either.
These three cases underscore the need for proper maintenance of properties. For example, you need to put pest control measures in place and call an exterminator as soon as you suspect a pest infestation. You also need to maintain your sewer so that it doesn't back up and damage your floors and walls.
However, despite your best preventive measures, there are still things that can cause any of these risks. For example, a natural flood can lead to mold growth or cause sewer backup. Thus, you may need to purchase optional/additional coverage for maximum protection. To find out more, speak with someone from a company like Arkansas First Choice Insurance.
Share14 April 2015
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