PSA: The Washington DC Mold Remediator You Hire May Have FAKE Insurance
Shady Remediators Pinch Pennies By Intentionally Buying The Wrong Kind Of Liability Insurance… And That Can Cost YOU.
BY DAVID MYRICK, OWNER
All mold remediators are not the same. At Valor Mold Removal, we take care of our employees because they are our most important asset and because it’s the right thing to do.
Unfortunately, the same cannot be said for some other mold remediation companies. Some even cover their employees with cheap office or janitorial insurance policies that leave YOU holding the bag, in the event they are injured on the job.
Not only that, but their liability insurance may also be inadequate. Unless they have proper mold insurance (pollution liability insurance), they are not insured to be working with mold. If everything goes according to plan, this won’t affect you. On the other hand, if ANYTHING goes wrong and your home is damaged in the process, you will not be covered!
What Is Mold Remediation Insurance?
Mold remediation insurance is a special type of insurance intended to cover workers who deal with hazardous materials. Mold is one of those materials.
These policies are significantly more expensive than ordinary worker’s compensation insurance, so some remediators just get the cheap, standard kind and hope no one notices. More often than not, no one calls them out until an accident has occurred, and it is too late.
The same is true for liability insurance. Bad remediators can save a lot of money by getting standard CGL (Commercial General Liability) Insurance. The problem is it does not cover mold removal whatsoever. If they mess up, you will be on the hook to cover the damages. What’s worse is your homeowner’s insurance probably won’t cover it, either.
Why Is Mold Remediation Insurance Important?
Mold remediation insurance is important because it covers things that other types of insurance do not. If you are working with hazardous materials, ordinary worker’s comp insurance just doesn’t cut it.
If an employee is injured in your home, it will fall on the employee or even you to pay for it. If the employer’s insurance fails to cover them, it can be billed to your homeowner’s insurance. Your premium would skyrocket all because you hired a terrible mold remediator.
Remediators that use standard janitorial insurance know this. They deliberately choose inadequate coverage, so they can save money. If they cut corners like this with their insurance, imagine what else they are skimping on!
The Difference Between Janitorial Insurance And Mold Remediation Insurance
Janitorial or office insurance are common types of insurance used to protect workers who are injured on the job. It covers typical work environments and situations, such as retail businesses and schools.
It does not cover all the same things that remediation insurance does, and it does not cover hazardous materials. As you might have guessed, it is way less expensive than remediation insurance, and a lot of mold remediation companies choose it for that reason. It saves them money, potentially at your expense.
Why You Should Care
Apart from the fact that it’s an amoral thing to do, companies that engage in these (and other) practices are simply not to be trusted. In the event someone is injured in your home, your homeowner’s policy would be on the hook to cover everything.
In an industry that is already plagued by charlatans and un-certified hacks, failing to offer proper insurance for their employees is a bad sign. It means they do not respect their employees, and they do not respect you enough to properly insure their workers in your home.
Why Valor Mold Removal Is Different
Mold remediation is a precise process that requires an honest, steady hand. With Valor Mold Removal, that is exactly what you get.
In keeping with our theme of integrity, we provide PROPER remediation insurance for every one of our technicians. They take care of us and go above and beyond for our clients, so it is only right that we take care of them, too. We will never make insuring our employees your problem.
We also provide REAL pollution liability insurance because we believe in doing things right. If you are going to do legitimate work, you need legitimate coverage. And that’s exactly what we provide.
Reach out today if you think you have a mold problem. We’re here to help!
Valor Mold Removal is a certified and experienced mold testing and remediation company. We are fully insured, fully licensed, and accredited with the Better Business Bureau. We also provide crawl space encapsulation, soda blasting, humidity control, and air quality cleaning.