No matter what type of homeowner’s insurance you carry, you’re not likely going to find one that covers repairs due to mold and mildew, especially if those issues could have been avoided.
The bathroom is the most common place in the entire house were mold and mildew form. That’s because most bathrooms do not have great ventilation, even if they have a ceiling vent fan. They also are exposed to the most moisture and humidity, which is a great breeding ground for mold and mildew.
Basements, attics, and other crawlspaces are also wonderful harbingers for mold and mildew. That’s because these areas tend to be dark, damp, and not very often used.
If your home is suddenly overrun with what is commonly referred to as ‘black mold,’ it can be devastating. There have been numerous houses through the years that have been completely condemned, requiring demolition of every structure, just to get rid of the mold.
That’s why it’s important for you to pay attention to mold and mildew as it begins to form. Do a regular inspection of your entire house, including rafters in the basement, in the attic, and crawlspaces, in the tub in your bathroom, and even potential gaps in the caulk of a bathtub or shower surround. If moisture is getting behind the shower or tub surround, underneath the sink, or anywhere else, it can lead to mold and mildew and that can affect health and even the integrity of your house.