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Does Home Insurance Cover Mold? Why You May Need to Buy Additional Policies

Published August 29th, 2019 by Devteam

Mold can not only be ugly, but it can also cause some serious health problems if it goes unnoticed or ignored.

If you have this unsightly problem, does home insurance cover mold so you can get it corrected?

Read on to learn more about mold coverage and if or when you might need to purchase additional policies to keep you safe.

Covered Perils

Your homeowner's insurance is designed to help pay for repairs and recover damaged items as the result of certain perils. If mold happens to be a result of these "perils," then you should be safe.

Some examples of common covered perils include things like a fire, if your home were struck by lightning, or if you are a victim of vandalism or theft. You're also covered by things like ice, snow, and sleet or if your home is damaged from a falling object.

So where does mold come into the picture? Let's say your home gets moisture damage from a burst or leaking pipe, a plumbing problem, or a busted appliance.

If mold pops up as a result of this water damage, you should be covered by your insurance. As long as you report the issue and file your claim quickly, the insurance should cover everything, including the mold issue.

Does Home Insurance Cover Mold All the Time?

Unfortunately, there will be circumstances when your insurance won't pay you to fix mold damage. For example, if you have a pipe burst in the basement and you don't report it for weeks and mold forms, you're likely not covered.

Another example where home insurance would not cover mold is if you have an accumulation of moisture in a bathroom where mold grows. Even a leaky roof may not cover mold if the roof is old and improperly maintained.

In a nutshell, your home insurance expects you to take good care of your property. If they think mold is a result of neglect or improper maintenance, they'll probably deny your claim.

When you ask "does home insurance cover mold?", consider the things you should do to prevent it from happening in the first place. You might be able to buy a separate policy that does cover mold in these cases.

Read your paperwork carefully and talk to your homeowner's insurance agent to get details. They can help you decide if it's worth it to pay extra for mold coverage.

If your home is older or you've had mold problems before, you might not be eligible for additional coverage.

Insurance and Mold Solutions

If you're wondering, does home insurance cover mold, keep these considerations in mind. With proper maintenance of your home, you should be able to prevent mold before it starts.

For all your restoration needs, contact us today and check out our post for more helpful tips on dealing with mold and 5 facts you might not have known about mold.

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