In Niles, OH, the Ruddy Insurance Group works with its clients who have been exposed to black mold while living in their apartment. In most cases, black mold and its safe removal is the responsibility of the landlord. There are many instances in which renters are unaware that black mold has even started to grow in their apartment. 

Contact Your Landlord Immediately

If you find black mold anywhere in your apartment, it is up to you to notify your landlord immediately. Once they are aware of the situation, it is up to them to take the appropriate action to have the mold removed and also to prevent it from coming back. This process can take several days which means you may be required to get a hotel room while they work.

Loss of Use Insurance

Having Loss of Use insurance included in your policy will ensure that you have the money you need to get a hotel for a few nights while your apartment is unlivable. You may have to replace some of your belongings if the mold has worked its way into your living area. Your insurance agent will have to work with you to determine the extent of the damage. 

At Ruddy Insurance Group, the agents work with residents who live in or near Niles, OH to make sure their apartments or rental homes are safe to live in. This means controlling black mold and preventing it from doing irreparable damage in terms of their health and well-being. When you have questions about black mold or what your responsibility is to your landlord, call and schedule a meeting with your agent today!