Contents Insurance NZ for Mold Damage

Mold damage can cause severe damage in a typical home in New Zealand after a major weather event that involves flooding. Although a good content insurance NZ policy will cover the damages, prevention is the best strategy. If you’d like to keep your insurance bill low following heavy rainstorms, a few simple steps must be followed.

Organize the Basement

You must place most of your items in strong, durable storage bins to protect them. If there are dozens of things in the basement that you no longer need, toss these items out because they could hold moisture. The goal is to keep the basement dry since a damp environment can influence mold growth following a major storm. A well-organized and tidy basement shouldn’t have any:

  • Old newspaper piles
  • Scrap lumber
  • Wooden furniture

Eliminate Any Slow-Growing Mold

If you stay in a home that’s fairly old, a YOUI contents insurance NZ policy could greatly benefit you because mold usually grows in hidden areas in an aged basement. Since mold can grow quickly following a flood event, you must try to remove any existing spores that are found throughout your basement. For this task, you’ll need TSP and water to eliminate the dirt. Without dirt, mold spores won’t be able to grow, as they must dine on the debris to survive. Once the basement is spotless, carefully spray vinegar on the surfaces to destroy the mold. The vinegar must stay on the foundation in the basement for several minutes so that the chemicals can seep into the surfaces.

Contents Insurance NZ Strategies for Mold Damage

If mold still somehow damages several items in your basement following a stormy weather event, your contents insurance NZ policy could help you. The coverage policy that you pick matters, so you must select something that suits your financial situation. A replacement cost coverage policy is worth considering if you usually store multiple items in your basement. If water ruins the items while you have this policy, the content insurance NZ company will give you the cash value of each item that was damaged.