Failed Clearance Regrowth Behind New Drywall and the Second Claim on an Aggregate Limit
Six months after a paid remediation, the stain is back. Whether that is the old leak, a new one, or a wall that was closed wet decides if you reopen the file, open a new claim, or send the owner to the contractor who did the work.
Attic Condensation Crawlspace Humidity and Sweating Ductwork When There Is Growth but No Water Event
Growth on attic sheathing, crawlspace joists, or a sweating duct often has no burst pipe behind it. The inspection has to find the moisture, and the policy usually has no covered cause of loss to hang the colony on.
Mold in Condos and Apartments When the Water Starts in One Unit and the Damage Shows Up in Another
A failed water heater on the third floor soaks the unit below and a common wall. Which policy pays depends on the association's declaration, and each policy brings its own fungi limit.
