Damage guide
Mold & moisture
Mold can develop where moisture persists. Addressing the moisture source matters as much as removing visible growth. The EPA publishes general guidance on mold cleanup.
Immediate safety considerations
- • People with allergies, asthma or weakened immune systems should avoid exposure.
- • Do not disturb large areas of growth without protection.
If anyone is in danger, call 911.
How to document the damage
- Only document damage once it is safe to be in the area.
- Take wide photos of each room, then close-ups of specific damage.
- Record a short video walkthrough narrating what you see.
- Write down the date and time you discovered the damage.
- Keep damaged items until your insurer says you can discard them, when it is safe and sanitary to do so.
- Save receipts for emergency supplies, temporary repairs and lodging.
When to contact your insurer
Policies vary widely on mold. Report the underlying water event, if any, and ask how mold is treated in your policy.
We can't tell you whether a loss is covered — only your policy and insurer can.
Professionals who may help
Common terms
- Remediation
- The process of containing and removing mold and correcting the moisture cause.
Questions to ask potential contractors
- • Are you licensed for this work in my state or city? Can I see the license number?
- • Do you carry general liability and workers' compensation insurance? Can you provide certificates?
- • Will you provide a written, itemized estimate before starting?
- • Who will be doing the work — your employees or subcontractors?
- • What are your payment terms? (Be cautious of large upfront payments.)
- • Will you obtain any required permits?
- • Can you provide references from recent, similar jobs?
- • What will you need from me to support documentation for my insurer?