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If your shower leaked and caused mold in the wall and wood do you need to report this to your insurance or fix it yourself?


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Wiki User
2006-07-31 04:40:37
2006-07-31 04:40:37

I would keep quiet about it. Depending upon your state or local laws, the insurance company may be required by law to report mold problems to the proper authorities for professional remediation. Assuming the mold is severe, rip everything out right down to the studs. Replace the really bad studs. Replace the floor and sub-floor if you must. Good luck. If you have homeowners insurance, I would call your insurance company and ask if it's covered under your policy. If not, then you will have to DIY.

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It will not go against your insurance because a claim has not been filed only a police report.

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If you report it to your insurance agency it will. If you decide to take care of the damages yourself, and not contact them, it will not.

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Depends, if a tree falls on your car and you pay for damages yourself then no. If another party is involved in the accident then yes. The reason being is even if you don't report your damages on your insurance the other party may report to theirs. The data from the accident is then reported into the CLUE insurance database and will cause your rates to raise since the database 'sees' that you were involved in an accident. Bottom line, it's best to report to your insurance yourself and let them pay out since you're going to feel the pinch anyway.

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Yes, you do not need a police report to file a insurance claim.

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Just like any other accident,, You are responsible for the damage you caused. Either file a report with your insurer so they can cover the damage you caused, or pay them yourself for the Damage. It's your choice. The law requires you be Financially Responsible.


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