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Though durable, homes cannot withstand excessive exposure, especially to pests. Among the most common home invaders are bugs and vermin, as well as mold. Each pest can create their own problems, health hazards and significant repair image of mold growing in house bills.

As a result, homeowners should do everything they can to keep pests out. This often involves preventative steps and constant vigilance.

Preventing Pest Infestations

Termites might eat away at your home’s structure, making it unsafe to live in. Mice and rats might eat away your drywall, and even cause bite and health risks to your family. Actively work to keep these pests out of the home.

  • Enlist a professional pest service to spray around the home at regular intervals.
  • Keep mouse traps, bug sprays or bug bombs on hand for any small contaminations.
  • Keep a close eye on attics, basements, and windows and doors for cracks or easy access points for vermin.
  • Have a professional pest and termite inspection approximately every two years.
  • Take out your garbage, and keep a sanitary home. Cleanliness can go a long way to deter pests that might look for sources of food.

Preventing Mold Contamination

There’s another form of invasive species called mold. If left unchecked, it can damage the home and cause significant health and safety issues. As we approach the humidity and dampness of spring and summer, the risks of mold often increase. Don’t let your home develop a problem.

  • Keep a close eye on your home’s foundations and roof. If water runs into your eaves or basement, it might be able to seep into other, unseen parts of the home. Make regular repairs to these structures.
  • If you notice leaks, low water pressure or unknown puddles, this might signal a mold risk. Immediately enlist the services of a plumber to search for and repair the damage.
  • Should mold develop, use professional help to clean it up.
  • In cases of small mold growth, the use of bleach on the affected surfaces might take care of the problem.

The problem with pest and mold is that homeowner’s insurance often doesn’t cover those items alone. For example, you usually have ample time to get rid of termites through maintenance. Neglecting maintenance usually doesn’t qualify you for a homeowner’s insurance claim.

However, in other cases, your policy might provide funds. For example, if a severe storm damages the home’s roof and causes water damage, mold might develop. Because mold might come from a covered risk, your policy might provide for the mold cleanup.

Check with your insurer at 800-286-6353 in each instance of pest or mold damage to see if you have claims coverage. However, make preventing these items your first priority.

Posted 3:55 PM

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Knight-Dik Insurance Agency | Mercantile Center, 120 Front Street, First Floor, Worcester, MA 01608 | Ph: 508.753.6353 | Fx: 508.752.1764
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