{"id":369070,"date":"2010-09-16T07:00:48","date_gmt":"2010-09-16T11:00:48","guid":{"rendered":"https:\/\/sportscardigest.com\/?p=28566"},"modified":"2024-01-18T10:52:19","modified_gmt":"2024-01-18T10:52:19","slug":"breaking-the-mold-insurance-advice","status":"publish","type":"post","link":"https:\/\/www.supercars.net\/blog\/breaking-the-mold-insurance-advice\/","title":{"rendered":"Breaking the Mold – Insurance Advice"},"content":{"rendered":"

By Bill Crowley, Chubb & Son<\/p>\n

\"\"<\/a>Few things say \u201cvintage\u201d like the feel and smell of a collectible car\u2019s luxuriant leather seats\u2014assuming they\u2019re not being eaten away by mold. Even newer vehicles with leather interiors are susceptible to the destructive fungus, which also poses potential health risks to drivers.<\/p>\n

Owners of vintage automobiles and expensive sports cars, should note, however, that mold is often not covered under most, if not all, insurance policies. If your vehicle\u2019s interior starts to rot away, it\u2019s on your dime.<\/p>\n

And as we all know, leather seats, wool carpets and door panels made of leather or other natural fabrics are expensive to buy, tough to find, and bound to become pricier and more elusive.<\/p>\n

On the bright side, mold and its fungi cousin, mildew, both of which spring from spores, can be eradicated before they cause harm. The key culprits in their formation are moisture and the passage of time. Fungi thrive in warm, damp environments\u2014hence, keeping storage areas dry and cool is the best ways to reduce the threat of mold. Obviously, a garage with leaking pipes\u2014even those with a dawdling drip, drip, drip\u2014creates more risk than just mold. Painted exteriors can be damaged, and if the moisture enters the vehicle, a wooden dashboard can warp.<\/p>\n

A storage facility that is ship-shape today also can develop moisture-related problems down the line. That\u2019s why it is advisable not to leave vehicles unattended for long periods of time. One of the worst claims for moisture damage that I recall came from a collector of several Bentley and Rolls-Royce automobiles from the 1920s and 1930s. This was prior to the insurance industry\u2019s adoption of coverage exclusions for mold. The leased facility\u2019s roof had a minor leak, but because the owner let months slip by before visiting the premises, the mold had proliferated to the point where the damage was irreversible. Had he stopped by on a regular basis, mold remediation would have been possible.<\/p>\n

The goal with mold is to kill it early. Even better is to prevent it. If you are getting a phenomenal deal on a garage space, you should question why. Hire a licensed inspector to ferret out possible water leaks and to measure moisture in the air. A building that feels like a New York City subway station in summer is a veritable mold feasting ground. A building that is climate-controlled, on the other hand, will restrict the fungi\u2019s formation. A constant temperature at low humidity is ideal, as is making periodic visits to the storage site to ensure all is well.<\/p>\n

A couple other tips\u2014protect a car\u2019s paintjob with high-quality wax, and on those occasions when the vehicle is stored outside, wrap it in a quality car cover to block ultraviolet rays and reduce heat-related damage, in addition to moisture.<\/p>\n

\"\"<\/a>About the Author<\/strong> – Bill Crowley has been racing cars since his late teens and has restored several vintage British automobiles. Today, he owns an open-cockpit D Sports Racer and regularly competes at Watkins Glen International and other tracks. For the past 34 years, Bill\u2019s \u201cday job\u201d has been at Chubb & Son, a leading insurer of valuable vintage vehicles and other collectible cars for more than four decades. As its worldwide automobile claim manager, he has seen his share of unusual losses\u2014insured and uninsured. As someone who knows cars inside out, he has unique insight and singular wisdom on how to avoid them. Visit www.chubbcollectorcar.com<\/a> for more information about classic car insurance.<\/p>\n","protected":false},"excerpt":{"rendered":"

By Bill Crowley, Chubb & Son Few things say \u201cvintage\u201d like the feel and smell of a collectible car\u2019s luxuriant leather seats\u2014assuming they\u2019re not being eaten away by mold. Even newer vehicles with leather interiors are susceptible to the destructive fungus, which also poses potential health risks to drivers. Owners of vintage automobiles and expensive sports cars, should note, however, that mold is often not covered under most, if not all, insurance policies. If your vehicle\u2019s interior starts to rot […]<\/p>\n","protected":false},"author":106,"featured_media":796549,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,258],"tags":[17152,2325],"class_list":["post-369070","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-culture","category-tips-advice","tag-car-culture","tag-advice"],"yoast_head":"\nBreaking the Mold - Insurance Advice<\/title>\n<meta name=\"description\" content=\"Few things say \u201cvintage\u201d like the feel and smell of a collectible car\u2019s luxuriant leather seats\u2014assuming they\u2019re not being eaten away by mold.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.supercars.net\/blog\/breaking-the-mold-insurance-advice\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Breaking the Mold - 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