Resolved Question

I am getting damp from all of the rain recently, will my insurance cover it?

There is a drainpipe outside my wall, which I think is causing it, and I am getting some spots of black mould appearing above my bed.. what should I do? Can I call the insurance man?

The area of wall is not near a window. Thanks

Additional Details

I have buildings insurance.

2 weeks ago

Best Answer - Chosen by Voters

If you have home owners insurance then they might cover the expense. However there is always a deductible often as much as $1000. Also most insurance companies now limit the amount they will pay on mold removal. Best to call your insurance company and discuss with them.

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Other Answers (3)

• The drainpipe outside the building is not the cause of the water entering the house. There has to be a hole/crack/opening in the wall, the roof, a door, etc. that's causing the water to enter. So now we need to know what caused the hole/crack/opening to determine if it's covered (i.e. a branch putting a hole in the roof might be covered, eroded grout between bricks would not). The mould is not covered regardless. You can call your insurer, however you should investigate on your own where the water is coming from.

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• You can claim for the damage caused by,
  storm & tempest if you have kept you building in
  a good state of repair.
  
  Black spots are fungus and do not happen in a week or so.
  If your drainpipe is broken then fix it.
  
  Your building insurance is not a maintenance scheme.
  From what you have said you are not covered in any policy.

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• it should do but because it may be happening to a lot of people dont be suprised if the insurance company find a loophole

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