If my home has any mold under the siding that was installed by the previous owner and if my windows are falling out (literally) is there any way that

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Feb 10, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Toledo, OH

Asked on 02/10/2013

If my home has any mold under the siding that was installed by the previous owner and if my windows are falling out (literally) is there any way that Is ther e any way my insurance will cover at lleast a portion of the cost of new wiindowsa and siding? The house was a Fannie Mae sale 3 years ago?

Answer given on February 12, 2013

Under the homeowner insurance policy, the coverages for damage are from “sudden and accidental damage. Your issues of mold and windows falling out do not seem to fit that description.The mold issue could be a faulty installation, which is usually specifically excluded under the insurance policy. The windows could also be faulty installation, unless there is a specific cause of these problems.You can ask your insurance company to review the damages to see if anything is covered. However, a reported claim could increase your premium, as you would lose your claim free discount. Also, the deductible will apply to anythkng that may be covered, so you may not get much from the insurance company.Get an estimate for the replacement of the siding and windows and try to determine the cause of the window problem. This information can help you decide whether to try to file a claim or not and whther it is worth it.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption