Claim Corner

Very recently a bad bug hit our local town and a few of us got it worse than others. As most people, our insured reached for her trusty humidifier. Running one of these babies usually helps with the sniffles. As she ran her humidifier she didn't notice the even bigger problem that was brewing. Our insured left the humidifier going for days and days and came home after work to find her home feeling like an indoor swimming pool. There was so much humidity in the air, it was creating a perfect breeding ground for mold spores to form. Upon some investigation, she found mold forming in the corners of the ceiling in the room the humidifier was running in. Humidifiers can actually become a household health hazard and can make you sick if they aren't maintained properly or if humidity levels stay too high. If you use humidifiers, be sure to monitor humidity levels and keep your humidifier clean. Mold is only covered by homeowners insurance when it’s caused by a covered peril that is "sudden or accidental" in nature. There are many exclusions for mold, such as if a plumbing leak is neglected or poor ventilation that leads to humidity build-up. If you should have mold damage or aren't sure if its covered under your home policy, check with your insurance agent to review your coverages. In addition, humidifiers should be run with purified water only. City water has minerals that are released in the air that cause a white buildup on furniture and plug up furnace filters. We had one client whose A/C quit working because the furnace was not getting any air. Only run these when you are sick and get a hygrometer!