Some homeowner insurance companies offer coverage for mold removal or remediation when it has been damaged by water damage from sudden accidents or emergencies like a burst pipe.
However, because
mold remediation can be so expensive, most
insurance companies have put in measures to reduce their risk of paying the extortionate amounts out to their customers.
This is why people who live in humid climates find it difficult to get coverage for mold remediation as their homes are prone to experiencing mold growth. Things like your bath overflowing, leaking, or failing to attend to a water appliance that has been leaking for your years will not permit you coverage of your home.
Most home insurance carrier’s will offer between $1-$10,000 limit for their mold coverage, but mold remediation for an entire home can cost upwards of $30,000 sometimes, so the customer will need to find the funds to cover those costs elsewhere.
Why won’t my home insurance policy cover my mold problem?
If you’ve had a water leak for years and failed to sort the problem out and now that area has developed a mold infestation, then you will not be entitled to coverage as that is neglect on your behalf and it does not count as an accident or emergency.
If you live in a humid area and you have failed to take the right precautions e.g using a dehumidifier in areas of your home where moisture levels are high, then you will not be entitled to coverage as that is your responsibility to take action against mold growth.
Unfortunately, due to the high number of storms and flooding that happens, home insurance companies are unable to offer policies that cover mold growth due to water damage from these natural events.
However, things that are out of your control like your water heater bursting or your dishwasher or washer malfunctioning and leaking water everywhere will entitle you to coverage if mold has started to grow due to this malfunction.
If you were unfortunate to have a house fire in your home and mold has appeared from where the firefighters have used water to extinguish the flames, then your homeowner’s insurance should cover you.
The best way to find out is by thoroughly talking through what is and what isn’t covered by your insurance policy with your provider, then you will not be left in the dark if something did happen.
If your insurance policy doesn’t offer mold coverage, then there may be another way around to getting coverage. Some home insurance companies offer a ‘buyback’ scheme for mold claims, which lets the customer pay more money on their policy in exchange for limited mold coverage.
However, there are some insurance companies that will cap the amount that they offer for this coverage or only pay for certain parts of the process like testing or the clean-up, as mold remediation can be very expensive.
If your insurance policy doesn’t offer mold coverage, then the best thing to do it so take preventive precautions like ventilating your home properly, using dehumidifiers in areas like the basement, installing exhaust fans in the kitchen and the bathroom.
Yes, mold removal can work out to be very expensive especially when structural damage is involved. The price of mold removal will depend on the extent of the damage and the size of the area that is affected.
Smaller areas of your home like crawl spaces, attics, walls, and ducts may only cost between $500 to $6000 to do https://www.reddit.com/r/Ask_Water_Damage_Pros/, however, if walls or ceilings need to be taken down due to excessive mold growth then you could be looking at paying at around $30,000 altogether to get the mold removed and to get your home back to normal. We
These costs are so high because they’re performed by licensed professionals who put their health at risk by working in contact with toxic mold every day.
These jobs can take weeks to execute and there are a lot of steps taken to ensure that the mold is removed safely and preventive measures are put in place.
| 27,952 | 2 | 17.6 sq mi (45.6 km2) | 1797 | Henderson |
| Heritage Creek[a 1] | 1,076 | 5 | 0.4 sq mi (1.0 km2) | | Jefferson |
| Hickman | 2,395 | 4 | 3.6 sq mi (9.3 km2) | | Fulton |
| Hickory Hill | 114 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Highland Heights | 6,923 | 4 | 2.6 sq mi (6.7 km2) | 1867 | Campbell |
| Hills and Dales | 142 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Hillview | 8,172 | 4 | 3.3 sq mi (8.5 km2) | 1974 | Bullitt |
| Hindman | 777 | 5 | 3.1 sq mi (8.0 km2) | 1884 | Knott |
| Hodgenville | 3,206 | 4 | 2.1 sq mi (5.4 km2) | 1818 | Larue |
| Hollow Creek | 783 | 5 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Hollyvilla | 537 | 6 | 0.3 sq mi (0.8 km2) | | Jefferson |
| Hopkinsville | 31,577 | 2 | 30.8 sq mi (79.8 km2) | 1799 | Christian |
| Horse Cave | 2,311 | 4 | 2.7 sq mi (7.0 km2) | 1864 | Hart |
| Houston Acres | 507 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Hunters Hollow | 386 | 6 | 0.1 sq mi (0.3 km2) | | Bullitt |
| Hurstbourne | 4,216 | 4 | 1.8 sq mi (4.7 km2) | 1982 | Jefferson |
| Hurstbourne Acres | 1,811 | 5 | 0.3 sq mi (0.8 km2) | | Jefferson |
| Hustonville | 405 | 5 | 1.0 sq mi (2.6 km2) | | Lincoln |
| Hyden | 365 | 6 | 1.3 sq mi (3.4 km2) | 1878 | Leslie |
| Independence | 24,757 | 3 | 17.7 sq mi (45.8 km2) | 1842 | Kenton |
| Indian Hills | 2,868 | 4 | 2.0 sq mi (5.2 km2) | 1999 | Jefferson |
| Inez | 717 | 6 | 1.7 sq mi (4.4 km2) | 1874 | Martin |
| Irvine | 2,715 | 4 | 1.5 sq mi (3.9 km2) | 1812 | Estill |
| Irvington | 1,181 | 5 | 0.9 sq mi (2.3 km2) | | Breckinridge |
| Island | 458 | 6 | 0.3 sq mi (0.8 km2) | | McLean |
| Jackson | 2,244 | 4 | 2.7 sq mi (7.0 km2) | 1839 | Breathitt |
| Jamestown | 1,794 | 5 | 3.0 sq mi (7.8 km2) | 1827 | Russell |
| Jeffersontown | 26,595 | 2 | 10.0 sq mi (25.9 km2) | 1797 | Jefferson |
| Jeffersonville | 1,506 | 5 | 2.5 sq mi (6.5 km2) | | Montgomery |
| Jenkins | 2,203 | 4 | 7.7 sq mi (19.9 km2) | | Letcher |
| Junction City | 2,241 | 4 | 1.8 sq mi (4.7 km2) | | Boyle |
| Kenton Vale | 110 | 6 | 0.1 sq mi (0.3 km2) | | Kenton |
| Kevil | 376 | 6 | 0.4 sq mi (1.0 km2) | | Ballard |
| Kingsley | 381 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Kuttawa | 649 | 5 | 2.7 sq mi (7.0 km2) | | Lyon |
| La Center | 1,009 | 5 | 0.6 sq mi (1.6 km2) | | Ballard |
| La Grange | 8,082 | 4 | 7.1 sq mi (18.4 km2) | 1827 | Oldham |
| LaFayette | 165 | 6 | 0.2 sq mi (0.5 km2) | | Christian |
| Lakeside Park | 2,668 | 5 | 0.8 sq mi (2.1 km2) | 1930 | Kenton |
| Lakeview Heights | 185 | 6 | 0.1 sq mi (0.3 km2) | | Rowan |
| Lancaster | 3,442 | 4 | 1.9 sq mi (4.9 km2) | 1797 | Garrard |
| Langdon Place | 936 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Lawrenceburg | 10,505 | 4 | 5.9 sq mi (15.3 km2) | 1820 | Anderson |
| Lebanon | 6,331 | 4 | 5.3 sq mi (13.7 km2) | 1814 | Marion |
| Lebanon Junction | 1,813 | 5 | 5.7 sq mi (14.8 km2) | | Bullitt |
| Leitchfield | 6,699 | 4 | 10.9 sq mi (28.2 km2) | 1810 | Grayson |
| Lewisburg | 810 | 5 | 1.2 sq mi (3.1 km2) | | Logan |
| Lewisport | 1,670 | 5 | 1.0 sq mi (2.6 km2) | | Hancock |
| Lexington | 295,803 | 2 | 285.6 sq mi (739.7 km2) | 1790 | Fayette |
| Liberty | 2,168 | 5 | 1.9 sq mi (4.9 km2) | 1808 | Casey |
| Lincolnshire | 148 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Livermore | 1,365 | 5 | 1.0 sq mi (2.6 km2) | | McLean |
| Livingston | 226 | 6 | 0.3 sq mi (0.8 km2) | | Rockcastle |
| London | 7,993 | 4 | 10.3 sq mi (26.7 km2) | 1825 | Laurel |
| Loretto | 713 | 6 | 3.2 sq mi (8.3 km2) | | Marion |
| Louisa | 2,467 | 5 | 1.6 sq mi (4.1 km2) | 1818 | Lawrence |
| Louisville[a 2] | 597,337 | 1 | 342.2 sq mi (886.3 km2) | 1778 | Jefferson |
| Loyall | 1,461 | 5 | 1.4 sq mi (3.6 km2) | | Harlan |
| Ludlow | 4,407 | 4 | 1.2 sq mi (3.1 km2) | 1864 | Kenton |
| Lynch | 747 | 5 | 0.3 sq mi (0.8 km2) | 1917 | Harlan |
| Lyndon | 11,002 | 4 | 3.6 sq mi (9.3 km2) | 1871 | Jefferson |
| Lynnview | 914 | 5 | 0.2 sq mi (0.5 km2) | | Jefferson |
| McHenry | 388 | 6 | 0.7 sq mi (1.8 km2) | | Ohio |
| McKee | 800 | 5 | 2.3 sq mi (6.0 km2) | | Jackson |
| Mackville | 222 | 6 | 0.4 sq mi (1.0 km2) | | Washington |
| Madisonville | 19,591 | 4 | 18.7 sq mi (48.4 km2) | 1807 | Hopkins |
| Manchester | 1,255 | 4 | 1.5 sq mi (3.9 km2) | 1807 | Clay |
| Manor Creek | 140 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Marion | 3,039 | 4 | 3.4 sq mi (8.8 km2) | 1842 | Crittenden |
| Martin | 634 | 4 | 0.7 sq mi (1.8 km2) | | Floyd |
| Maryhill Estates | 179 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Mayfield | 10,024 | 3 | 10.4 sq mi (26.9 km2) | 1823 | Graves |
| Maysville | 9,011 | 3 | 21.4 sq mi (55.4 km2) | 1787 | Mason |
| Meadow Vale | 736 | 5 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Meadowbrook Farm | 136 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Meadowview Estates | 363 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Melbourne | 401 | 6 | 0.8 sq mi (2.1 km2) | | Campbell |
| Mentor | 193 | 6 | 0.7 sq mi (1.8 km2) | | Campbell |
| Middlesborough | 10,334 | 3 | 7.6 sq mi (19.7 km2) | 1890 | Bell |
| Middletown | 7,218 | 4 | 5.1 sq mi (13.2 km2) | 1797 | Jefferson |
| Midway | 1,641 | 4 | 1.1 sq mi (2.8 km2) | | Woodford |
| Millersburg | 792 | 5 | 0.4 sq mi (1.0 km2) | | Bourbon |
| Milton | 593 | 6 | 1.3 sq mi (3.4 km2) | | Trimble |
| Mockingbird Valley | 167 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Monterey | 138 | 6 | 0.3 sq mi (0.8 km2) | | Owen |
| Monticello | 6,188 | 4 | 5.9 sq mi (15.3 km2) | 1800 | Wayne |
| Moorland | 431 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Morehead | 6,845 | 4 | 9.5 sq mi (24.6 km2) | 1856 | Rowan |
| Morganfield | 3,285 | 4 | 3.0 sq mi (7.8 km2) | 1870 | Union |
| Morgantown | 2,394 | 5 | 2.4 sq mi (6.2 km2) | 1811 | Butler |
| Mortons Gap | 863 | 5 | 1.2 sq mi (3.1 km2) | | Hopkins |
| Mount Olivet | 299 | 5 | 0.4 sq mi (1.0 km2) | 1851 | Robertson |
| Mount Sterling | 6,895 | 4 | 4.4 sq mi (11.4 km2) | 1792 | Montgomery |
| Mount Vernon | 2,477 | 5 | 1.7 sq mi (4.4 km2) | 1790 | Rockcastle |
| Mount Washington | 9,117 | 4 | 6.1 sq mi (15.8 km2) | 1822 | Bullitt |
| Muldraugh | 947 | 5 | 0.6 sq mi (1.6 km2) | | Meade |
| Munfordville | 1,615 | 5 | 2.3 sq mi (6.0 km2) | 1816 | Hart |
| Murray | 17,741 | 3 | 11.3 sq mi (29.3 km2) | 1844 | Calloway |
| Murray Hill | 582 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Nebo | 236 | 6 | 0.3 sq mi (0.8 km2) | | Hopkins |
| New Castle | 912 | 5 | 0.4 sq mi (1.0 km2) | 1798 | Henry |
| New Haven | 855 | 6 | 0.6 sq mi (1.6 km2) | | Nelson |
| Newport | 15,273 | 2 | 3.0 sq mi (7.8 km2) | 1794 | Campbell |
| Nicholasville | 28,015 | 3 | 13.1 sq mi (33.9 km2) | 1812 | Jessamine |
| Norbourne Estates | 441 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| North Middletown | 643 | 5 | 0.3 sq mi (0.8 km2) | | Bourbon |
| Northfield | 1,020 | 5 | 0.5 sq mi (1.3 km2) | | Jefferson |
| Nortonville | 1,204 | 5 | 1.1 sq mi (2.8 km2) | | Hopkins |
| Norwood | 370 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Oak Grove | 7,489 | 4 | 10.8 sq mi (28.0 km2) | 1828 | Christian |
| Oakland | 225 | 6 | 1.4 sq mi (3.6 km2) | | Warren |
| Old Brownsboro Place | 353 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Olive Hill | 1,599 | 4 | 1.8 sq mi (4.7 km2) | 1861 | Carter |
| Orchard Grass Hills | 1,595 | 5 | 0.4 sq mi (1.0 km2) | | Oldham |
| Owensboro | 57,265 | 2 | 20.4 sq mi (52.8 km2) | 1816 | Daviess |
| Owenton | 1,327 | 5 | 1.1 sq mi (2.8 km2) | 1822 | Owen |
| Owingsville | 1,530 | 4 | 2.4 sq mi (6.2 km2) | 1829 | Bath |
| Paducah | 25,024 | 2 | 20.0 sq mi (51.8 km2) | 1830 | McCracken |
| Paintsville | 3,459 | 4 | 2.8 sq mi (7.3 km2) | 1834 | Johnson |
| Paris | 8,553 | 3 | 6.0 sq mi (15.5 km2) | 1789 | Bourbon |
| Park City | 537 | 5 | 1.5 sq mi (3.9 km2) | | Barren |
| Park Hills | 2,970 | 4 | 0.8 sq mi (2.1 km2) | 1927 | Kenton |
| Parkway Village | 650 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Pembroke | 869 | 6 | 1.1 sq mi (2.8 km2) | | Christian |
| Perryville | 751 | 5 | 0.8 sq mi (2.1 km2) | | Boyle |
| Pewee Valley | 1,456 | 5 | 2.0 sq mi (5.2 km2) | | Oldham |
| Pikeville | 6,903 | 4 | 21.1 sq mi (54.6 km2) | 1823 | Pike |
| Pineville | 1,732 | 4 | 1.7 sq mi (4.4 km2) | 1781 | Bell |
| Pioneer Village | 2,030 | 4 | 0.7 sq mi (1.8 km2) | | Bullitt |
| Pippa Passes | 533 | 6 | 0.5 sq mi (1.3 km2) | | Knott |
| Plantation | 832 | 5 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Pleasureville | 834 | 6 | 0.5 sq mi (1.3 km2) | | Henry
Shelby |
| Plum Springs | 453 | 6 | 0.3 sq mi (0.8 km2) | | Warren |
| Poplar Hills | 362 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Powderly | 745 | 5 | 1.6 sq mi (4.1 km2) | | Muhlenberg |
| Prestonsburg | 3,255 | 4 | 12.9 sq mi (33.4 km2) | 1797 | Floyd |
| Prestonville | 161 | 6 | 0.2 sq mi (0.5 km2) | | Carroll |
| Princeton | 6,329 | 4 | 9.0 sq mi (23.3 km2) | 1817 | Caldwell |
| Prospect | 4,698 | 3 | 3.9 sq mi (10.1 km2) | 1974[3] | Jefferson
Oldham |
| Providence | 3,193 | 4 | 6.1 sq mi (15.8 km2) | 1828 | Webster |
| Raceland | 2,424 | 5 | 2.5 sq mi (6.5 km2) | | Greenup |
| Radcliff | 21,688 | 2 | 12.4 sq mi (32.1 km2) | 1919 | Hardin |
| Ravenna | 605 | 5 | 0.3 sq mi (0.8 km2) | | Estill |
| Raywick | 134 | 6 | 0.9 sq mi (2.3 km2) | | Marion |
| Richlawn | 405 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Richmond | 31,364 | 2 | 23.1 sq mi (59.8 km2) | 1798 | Madison |
| River Bluff | 403 | 6 | 0.2 sq mi (0.5 km2) | | Oldham |
| Riverwood | 446 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Robards | 515 | 6 | 3.0 sq mi (7.8 km2) | | Henderson |
| Rochester | 152 | 6 | 0.5 sq mi (1.3 km2) | | Butler |
| Rockport | 266 | 6 | 0.7 sq mi (1.8 km2) | | Ohio |
| Rolling Fields | 646 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Rolling Hills | 959 | 5 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Russell | 3,380 | 4 | 3.0 sq mi (7.8 km2) | 1869 | Greenup |
| Russell Springs | 2,441 | 5 | 4.5 sq mi (11.7 km2) | | Russell |
| Russellville | 6,947 | 4 | 10.8 sq mi (28.0 km2) | 1798 | Logan |
| Ryland Heights | 1,022 | 6 | 5.3 sq mi (13.7 km2) | | Kenton |
| Sacramento | 468 | 6 | 0.4 sq mi (1.0 km2) | | McLean |
| Sadieville | 303 | 5 | 1.1 sq mi (2.8 km2) | | Scott |
| St. Charles | 277 | 6 | 1.0 sq mi (2.6 km2) | | Hopkins |
| St. Matthews | 17,472 | 4 | 4.3 sq mi (11.1 km2) | 1800 | Jefferson |
| St. Regis Park | 1,454 | 4 | 0.4 sq mi (1.0 km2) | | Jefferson |
| Salem | 752 | 6 | 0.9 sq mi (2.3 km2) | | Livingston |
| Salt Lick | 303 | 6 | 0.8 sq mi (2.1 km2) | | Bath |
| Salyersville | 1,883 | 4 | 2.5 sq mi (6.5 km2) | 1861 | Magoffin |
| Sanders | 238 | 6 | 0.3 sq mi (0.8 km2) | | Carroll |
| Sandy Hook | 675 | 5 | 1.0 sq mi (2.6 km2) | 1869 | Elliott |
| Sardis | 103 | 6 | 1.0 sq mi (2.6 km2) | | Mason
Robertson |
| Science Hill | 693 | 6 | 0.6 sq mi (1.6 km2) | | Pulaski |
| Scottsville | 4,226 | 4 | 5.7 sq mi (14.8 km2) | 1816 | Allen |
| Sebree | 1,603 | 5 | 2.9 sq mi (7.5 km2) | | Webster |
| Seneca Gardens | 696 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Sharpsburg | 323 | 6 | 0.2 sq mi (0.5 km2) | | Bath |
| Shelbyville | 14,045 | 4 | 8.2 sq mi (21.2 km2) | 1792 | Shelby |
| Shepherdsville | 11,222 | 4 | 10.0 sq mi (25.9 km2) | 1793 | Bullitt |
| Shively | 15,264 | 3 | 4.6 sq mi (11.9 km2) | 1831 | Jefferson |
| Silver Grove | 1,102 | 5 | 1.7 sq mi (4.4 km2) | | Campbell |
| Simpsonville | 2,484 | 5 | 2.2 sq mi (5.7 km2) | | Shelby |
| Slaughters | 216 | 6 | 0.2 sq mi (0.5 km2) | | Webster |
| Smithfield | 106 | 6 | 0.1 sq mi (0.3 km2) | | Henry |
| Smithland | 301 | 6 | 0.5 sq mi (1.3 km2) | 1805 | Livingston |
| Smiths Grove | 714 | 5 | 0.8 sq mi (2.1 km2) | | Warren |
| Somerset | 11,196 | 3 | 11.3 sq mi (29.3 km2) | 1801 | Pulaski |
| Sonora | 513 | 6 | 1.1 sq mi (2.8 km2) | | Hardin |
| South Carrollton | 184 | 6 | 0.3 sq mi (0.8 km2) | | Muhlenberg |
| South Park View | 7 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| South Shore | 1,122 | 5 | 0.9 sq mi (2.3 km2) | | Greenup |
| Southgate | 3,803 | 4 | 1.4 sq mi (3.6 km2) | 1907 | Campbell |
| Sparta | 231 | 6 | 5.9 sq mi (15.3 km2) | | Gallatin
Owen |
| Spring Mill | 287 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Spring Valley | 654 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Springfield | 2,519 | 4 | 3.7 sq mi (9.6 km2) | 1793 | Washington |
| Stamping Ground | 643 | 6 | 0.4 sq mi (1.0 km2) | | Scott |
| Stanford | 3,487 | 4 | 3.1 sq mi (8.0 km2) | 1786 | Lincoln |
| Stanton | 2,733 | 4 | 2.1 sq mi (5.4 km2) | 1854 | Powell |
| Strathmoor Manor | 337 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Strathmoor Village | 648 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Sturgis | 1,898 | 4 | 1.6 sq mi (4.1 km2) | | Union |
| Sycamore | 160 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Taylor Mill | 6,604 | 4 | 6.3 sq mi (16.3 km2) | 1810 | Kenton |
| Taylorsville | 763 | 5 | 0.3 sq mi (0.8 km2) | 1790 | Spencer |
| Ten Broeck | 103 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Thornhill | 178 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Tompkinsville | 2,402 | 5 | 3.6 sq mi (9.3 km2) | 1809 | Monroe |
| Trenton | 384 | 6 | 0.6 sq mi (1.6 km2) | | Todd |
| Union | 5,379 | 4 | 3.3 sq mi (8.5 km2) | | Boone |
| Uniontown | 1,002 | 5 | 0.9 sq mi (2.3 km2) | | Union |
| Upton | 683 | 6 | 1.4 sq mi (3.6 km2) | | Hardin
Larue |
| Vanceburg | 1,518 | 4 | 1.3 sq mi (3.4 km2) | 1827 | Lewis |
| Versailles | 8,568 | 4 | 4.4 sq mi (11.4 km2) | 1792 | Woodford |
| Vicco | 334 | 6 | 0.8 sq mi (2.1 km2) | | Perry |
| Villa Hills | 7,489 | 4 | 4.4 sq mi (11.4 km2) | 1921 | Kenton |
| Vine Grove | 4,520 | 4 | 4.7 sq mi (12.2 km2) | 1850 | Hardin |
| Wallins Creek | 156 | 6 | 0.3 sq mi (0.8 km2) | | Harlan |
| Walton | 3,635 | 5 | 4.3 sq mi (11.1 km2) | | Boone
Kenton |
| Warfield | 269 | 6 | 0.8 sq mi (2.1 km2) | | Martin |
| Warsaw | 1,615 | 4 | 0.7 sq mi (1.8 km2) | 1798 | Gallatin |
| Water Valley | 279 | 6 | 0.6 sq mi (1.6 km2) | | Graves |
| Watterson Park | 976 | 5 | 1.4 sq mi (3.6 km2) | | Jefferson |
| Waverly | 308 | 6 | 0.3 sq mi (0.8 km2) | | Union |
| Wayland | 426 | 6 | 2.6 sq mi (6.7 km2) | | Floyd |
| Wellington | 565 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| West Buechel | 1,230 | 5 | 0.6 sq mi (1.6 km2) | | Jefferson |
| West Liberty | 3,435 | 4 | 4.4 sq mi (11.4 km2) | 1816 | Morgan |
| West Point | 797 | 5 | 0.6 sq mi (1.6 km2) | | Hardin |
| Westwood | 634 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Wheatcroft | 160 | 6 | 0.3 sq mi (0.8 km2) | | Webster |
| Wheelwright | 780 | 6 | 1.8 sq mi (4.7 km2) | | Floyd |
| White Plains | 884 | 5 | 3.2 sq mi (8.3 km2) | | Hopkins |
| Whitesburg | 2,139 | 4 | 3.2 sq mi (8.3 km2) | 1842 | Letcher |
| Whitesville | 552 | 6 | 0.4 sq mi (1.0 km2) | | Daviess |
| Whitley City | 1,170 | CDP | 2.3 sq mi (6.0 km2) | 1902 | McCreary |
| Wickliffe | 688 | 5 | 1.1 sq mi (2.8 km2) | 1880 | Ballard |
| Wilder | 3,035 | 5 | 3.8 sq mi (9.8 km2) | | Campbell |
| Wildwood | 261 | 6 | 0.1 sq mi (0.3 km2) | | Jefferson |
| Williamsburg | 5,245 | 4 | 4.9 sq mi (12.7 km2) | 1819 | Whitley |
| Williamstown | 3,925 | 5 | 17.0 sq mi (44.0 km2) | 1820 | Grant
Pendleton |
| Willisburg | 282 | 6 | 0.7 sq mi (1.8 km2) | | Washington |
| Wilmore | 6,134 | 4 | 0.9 sq mi (2.3 km2) | | Jessamine |
| Winchester | 18,368 | 3 | 7.9 sq mi (20.5 km2) | 1792 | Clark |
| Windy Hills | 2,385 | 5 | 0.9 sq mi (2.3 km2) | | Jefferson |
| Wingo | 632 | 6 | 1.0 sq mi (2.6 km2) | | Graves |
| Woodburn | 355 | 6 | 0.4 sq mi (1.0 km2) | | Warren |
| Woodbury | 90 | 6 | 0.1 sq mi (0.3 km2) | | Butler |
| Woodland Hills | 696 | 6 | 0.2 sq mi (0.5 km2) | | Jefferson |
| Woodlawn | 229 | 6 | 0.1 sq mi (0.3 km2) | | Campbell |
| Woodlawn Park | 942 | 5 | 0.3 sq mi (0.8 km2) | | Jefferson |
| Worthington | 1,609 | 5 | 1.2 sq mi (3.1 km2) | | Greenup |
| Worthington Hills | 1,446 | 6 | 0.3 sq mi (0.8 km2) | | Jefferson |
| Worthville | 185 | 6 | 0.3 sq mi (0.8 km2) | | Carroll |
| Wurtland |
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What to consider when choosing a fire and damage restoration company
Certified experts
It is imperative to make certain that the company in question has all the required state and local certifications to complete the restoration job. These certifications should also be up-to-date.
• Certification: Look for credentials from the Institute of Inspection, Cleaning and Restoration Certification, also known as the IICRC, for well-trained fire and water damage experts.
• Sub-certifications: The IICRC has additional specializations such as mold remediation or structural and commercial Drying. Ask the company for details about their sub-certifications.
• Restoration vs. reconstruction: Note that the IICRC refers to restoration, not reconstruction. If the damage is to severe that contractors are required to partially or completely rebuild/reconstruct properties, make sure that they have all the proper local licenses and certifications necessary.
Experience
Every disaster is unique and requires the utmost care. If a company begins operating from the wrong starting assumptions, it can prolong or completely derail the restoration project unnecessarily.
• Relevant experience: Make sure that the company providing restoration has dealt with many previous situations that are similar to the current task at hand. For example, standing water from a flood could become contaminated with chemicals or substances that make it a biohazard. Make sure the company knows what they are dealing with before they come out to avoid added confusion that slows down the job.
• Comprehensive evaluations: Don't hold back any information. Even details that don't seem to be significant initially can greatly impact the company's professional evaluation of the restoration requirements or the extent of structural damage.
Asset protection
Different kinds of materials - such as furniture, computers, floors, etc. - require different treatments under very specific timetables.
• High-priority assets: Decide which assets have the highest priority and then look for the company that specializes in that particular area.
• Practicality: Replacing property or recreating data may be less expensive than restoration. Don't compromise your practicality.
• Pre-inspection reports: Some types of leases require a pre-inspection report by qualified restoration personnel to establish insurability levels.
Time to recovery
Hours, and sometimes minutes, can make all the difference in what is recoverable. Make sure the company will be ready the moment disaster strikes.
• Rapid response: The first few hours after a disaster can make all the difference in terms of what is recoverable. Look for rapid response times. Also critical, is advice on what to do immediately and what needs attention within the first 24 hours.
• Schedules: Look for a company that can give a full, detailed schedule of steps that they will need to perform before an estimated completion date.
• Variable costs: Be prepared for costs to vary greatly based on factors that aren't obvious at first, such as structural damage and the extent of smoke damage.
Storage facilities
Some restoration companies offer storage facilities. Find out how much space the company has to house your undamaged assets and what their storage rates are.
• Storage conditions: Make sure that storage facilities are nearby and adequate in terms of factors like temperature control and security.
• Packing services: Ask if they provide packing services, which means that they can thoroughly clean property before packing it up and putting it into the company's storage facility.
• Record keeping: Make sure to take photographic records of the condition of your property before it goes into storage.
Referrals
Ask for names of commercial or governmental agencies that the company has worked for and look for referrals.
• Referral limitations: Don't discount a company just because its referrals aren't perfect. Some items simply aren't restorable, and that fact creates disappointment.