Mold. Mold. Mold. There are 3 types of mold- bad mold, very bad mold, and extremely bad mold. Bad mold is the kind that you find on the cheese in your refrigerator or your bagels. Its gross, ruins your food (and maybe appetite), and is not covered by your insurance. Fortunately, you may only be out a few dollars and cheese for your sandwich. Our solution for this situation is just to simply eat your cheese and bread sooner!
Finally we get to the extremely bad mold. There is good and bad news. The bad news happens when you notice a small amount of mold under the kitchen tile and realize the entire kitchen floor is covered in mold. This is where the good news starts. Luckily, if the mold was caused by a leak in the refrigerator line, the insurance company will help to fix the problem up to the limit within the policy. If the mold is not caused by a “covered loss” then the insurance would not apply and you are on your own to solve the problem.