Alabama Mold And Insurance Rules On Mold
What Alabama Mold And Insurance Rules says about mold, insurance and cleanup, with each line linked to its page.
What Is Covered
Most home policies pay for water damage from a burst pipe. The pipe itself may not be paid for.
most homeowners policies will cover the damage caused by the water. However, repair or replacement of the pipe may not be covered.
What Is Excluded
Water that seeps in over time is usually not covered. The state calls seepage a home upkeep problem.
Problems from seepage are considered maintenance issues and are not covered by insurance.
Good To Know
Licensing is not required in Alabama for mold testing or mold cleanup work, and the state has no mold standards for homes.
nor is there any contractor accreditation/certification for contractors performing mold testing or remediation activities
The state health department says you do not need to test mold you can see or smell. Just fix the water and clean it up.
Instead, you should simply assume there is a problem whenever you see mold or smell mold odors.