Mold infestations can have a lot of different ramifications to a home, a family, or even a business. We’ve talked a lot about the different ways mold, black mold or toxic mold can affect the health and comfort of your children and loved ones, as well as the different ways mold can damage your furniture, possessions and your property.
So, as we can see, mold is something that simply needs to be addressed whenever it’s noticed. Yet, a lot of people fail to do so. Why is that?
Well, for starters, dealing with mold is simply irritating. You need to go shop for the right products, you need to spray it, to scrub it, to wait and repeat. Often times you need to go buy new products, because the first ones didn’t do the trick, and so on, and so forth. So the sheer amount of time and work you have to put in when dealing with black mold is an often significant cost in and of itself.
Secondly, however, we have the financial cost. And this is something that we don’t talk about too often. Products for dealing with mold don’t seem too expensive on their own, so if you have a really small mold problem that can be taken care of with several sprays – that’s obviously not too costly. For bigger problems, however, even if you are up to dealing with them yourself, the costs can start mounting. Purchasing multiple different mold removers, with multiple bottles of each, purchasing different scrubbing tools can quickly reach 3-digit sums.
Add to that the costs of repairing the damage the mold has already done and things can get uglier and uglier. Replacing furniture that’s damaged beyond repair, replacing entire kitchen cabinets, replacing wallpapers, repainting walls, reapplying grout to the bathroom tiles, and so on – these are just some of the additional costs black mold can cause as well.
This is one question that a lot of home and business owners have asked themselves and have usually leaned towards the “Nah, it’s not worth it!” answer. And this answer is sometimes correct, but other times – it can cost you a lot more than the mold removing professionals themselves. So you are a lot better off making an educated decision, instead of just waving your hand and moving on.
Summarized as quickly as possible, here are the prices you can expect from a professional mold cleaning company:
That’s an important question. After all we can’t just tell you “Well, it will either cost you $400 or it will cost you $20,000, who knows.”, right? And while such round about figures can be annoying, the only way to know how much professional mold removal is going to cost is to consult with several different contractors. To give you an idea of what the cost is based on, however, here are the key factors that play into the formation of the price:
So, as you can see, the cost of removing black mold or any other type of mold can vary from a couple dozen bucks for a mold remover spray and a brush, to several dozen thousand dollars for professional mold removal, as well as for replacing and / or repairing the damaged property.
Yes, insurances are a factor as well. They aren’t always a guarantee, though, so don’t take them for granted.
The short answer to the “insurance question” is that a typical homeowner insurance usually covers the removal of mold and black mold. Even just from that, however, you ought to surmise that you need to make sure it does before taking any action. Take a good look at your insurance policy, read the fine print, and if anything is unclear – contact your insurance agent and ask them directly.
Also, keep in mind that insurance policies often only cover mold removal when it is done by professionals and not by the home owners themselves. So, if your insurance policy covers mold removal and you want to take advantage of that, calling in professionals may be cheaper than taking care of the problem yourself.
Over all, homeowner insurance policies have different coverages, depending on the particular policy. Most are enough for small or medium costs, but not all are sizable enough to handle a sizable bill. Some insurance policies include explicit inclusions that state they will not cover mold removal. Others include specifications about the different circumstances in which they will or won’t cover mold removal. Some will pay for mold removal, but won’t cover mold testing, and so on.
A lot of insurance policies specify the cause of the mold infestation as a deciding factor on whether the policy will cover the costs. Some of the typically key causes include:
There are a lot of other subtlety and details that can come into play when it comes to insurances, so don’t forget to contact your insurance agent before taking any action.
Aside from that – simply take good care and maintain your property to prevent any black mold growth. And if some mold appears nevertheless – make sure to take immediate action. Because, as you can see, the costs of removing it later can increase to some quite staggering numbers.