Based on the policy’s language, you can determine what an insurance company will and will not cover. You should discuss the particulars with your agent or broker.
Ask them to look over your policy’s exclusions and the kind of coverage you have.
Damage over time and wear and tear are not covered by any insurance policy. However, there might be a few exceptions.
The language of your policy may determine whether it will pay out. Here are a few thoughts of when you could see a payout for continuous harm.
If you have comprehensive insurance, you might be able to get money to fix problems caused by mold caused by a covered loss. This is unusual. In addition, in order for the policy to pay out, you will need to ensure that you comply with all of its terms.
A few organizations might permit you to purchase inclusion for shape issues. State by state, this varies. For instance, policymakers in Texas have pushed for basic mold coverage to be included in policies.
The most ideal way to see if your approach has this is to ask your agent. It might be possible for you to include it, but the company will decide.
