Can I clean up mold myself?
Small growth on a hard, non-porous surface can sometimes be wiped down once the moisture is fixed. Growth behind walls, on porous materials or anywhere water has sat needs a trained crew.
Cleaning the surface does not remove the water feeding it, and disturbing growth can spread spores. Older houses add another risk. Pre-1980s houses can have asbestos in joint compound, textured ceilings, old floor tile and pipe insulation, so check with Ohio EPA and your local health district before you cut into them.
Pre-1978 houses fall under the EPA lead Renovation, Repair and Painting rule, which also applies to cutting into painted surfaces. Whether EPA or the Ohio Department of Health administers it here is a question to check with the local health office.
What should I do first when water is involved?
Shut off the water at the main if you can do it safely, and call for water removal and drying. A plumber fixes the pipe, and the crew handles drying and the mold work afterward.
Stay out of standing water near outlets, the furnace or the electrical panel. Treat a sewer backup as contaminated and keep children and pets out of it. Take photos before anything is moved.
Phones are answered 24/7, and a crew is dispatched as fast as one is available. Give the caller the address, where the water came from and whether the wet area still has power.
Will my insurance pay for mold cleanup?
Coverage is decided by your insurer under your own policy, and no one here can promise what it will pay. A standard homeowners policy generally responds to sudden and accidental water damage and generally does not cover long-term or gradual leaks.
Sewer and drain backup and flood are usually separate endorsements or policies, so check whether you have them before you need them. Ask your agent what your policy says about mold and about gradual leaks.
The crew can document the damage and give you moisture readings and photos for your claim. Call your insurer early, and keep records of every step.