April 12th, 2014 8:27 PM by Dan Howard
There are a lot of things to consider when dealing with homeowners insurance. The best advice is to read your policy. A little known fact is that a call to report damage can could count as a claim even if there is not any money paid on that claim.
The most common insurance company position is that consequential damage such as mold is covered if it is a result of a covered claim. In other words, if you have your roof blow off and there is mold because of the roof being off, there is mold coverage. If you have mold in your attic because the venting is inadequate, there would not usually be coverage. A lot more needs written on the topic of insurance, but the quick lesson here is that promptly reporting winter damage or any other claim, the better chance of a claim and costs for any consequential damage being paid.