Why mold is common in Chicago
Chicago O'Hare averages about 38 inches of precipitation a year under NOAA's 1991–2020 normals, and the heaviest months run from April through August, when thunderstorms can drop a lot of rain in a short time. Humid summers then keep a wet basement from drying on its own, and a few days of damp carpet or drywall below grade is all mold needs.
Chicago's housing makes the basement the center of the problem. About 75% of the city's homes were built before 1980, and close to 39% before 1940, according to the Census Bureau. Bungalows, two-flats, greystones, and worker cottages usually have basements or garden units below grade, with old foundation walls, floor drains, and window wells where water gets in. Much of the city is served by combined sewers, so in heavy rain, water can back up through basement floor drains.
The storms of late June and early July 2023 showed the scale of it. The federal government approved a disaster declaration for Cook County residents for the June 29 to July 2 storms, and West Side residents described basements with more than three feet of water mixed with sewer backup. When sewage is involved, porous materials such as drywall, carpet, and insulation are removed rather than cleaned.
Source: NOAA climate normals
Mold services in Chicago
What mold work costs in Cook County
| Service | Typical range |
|---|---|
| Mold inspection, national range | $300–$1,000 |
| Lab sample, per sample (national) | $50–$350 |
| Typical remediation job (national) | $1,100–$3,400 |
We did not find a Chicago-only mold price survey we trust, so these are national figures: Angi's cost data for inspections and HomeGuide's for lab samples and typical remediation jobs. Chicago basements after a sewer backup usually land above the typical range, because drywall, carpet, and insulation come out and the space is disinfected, and rebuilding is billed separately. See the remediation cost guide.
Illinois mold licensing: what to check
There is no Illinois mold license or registration to check yet: the state passed a registration law, but IDPH has not started it. In Chicago, the license that matters is the City of Chicago general contractor license, which most construction, alteration, and repair work requires, including rebuilding a basement after mold removal. Ask which license class the company holds.
Also ask for the technicians' certification, a certificate of general liability insurance, and a written scope that lists the rooms, the materials coming out, and how the result will be checked. In a two-flat or condo building, the scope should say how the work area will be sealed off from the other unit. See the Illinois page.
Will insurance cover it?
After a Chicago storm, the first question is how the water reached the basement. Water that came up through the floor drain is a sewer or water backup, covered only if your policy has a backup endorsement, and many Chicago homeowners only learn whether they have one after the storm. Water that came in through window wells or doors from overland flooding is flood water, covered by a flood policy. A burst pipe or failed water heater inside the house is the case a homeowners policy usually covers, with mold paid up to a separate limit.
Photograph the water line and damaged materials before anything is thrown out, and report the damage promptly. Disputes go to the Illinois Department of Insurance. See does insurance cover mold.
Areas we connect you in
Lincoln Park, Lakeview, Logan Square, Avondale, Humboldt Park, Austin, Pilsen, Bridgeport, Hyde Park, Chatham, Beverly, Portage Park, Jefferson Park, Rogers Park, and surrounding neighborhoods of Chicago.