Does Homeowners Insurance Cover Mold? What You Need to Know
Mold growth in your home can be a serious issue, causing both health problems and structural damage. But does homeowners insurance cover mold? The answer depends on the cause of the mold and the specifics of your policy. In this article, we’ll break down when mold is covered, when it’s not, and what you can do if you discover mold in your home.
When Does Homeowners Insurance Cover Mold?
Homeowners insurance typically covers mold damage only if it is caused by a sudden and accidental peril that is included in your policy. Some examples include:
Burst Pipes: If a pipe suddenly bursts and causes water damage that leads to mold, your insurance may cover the mold remediation costs.
Storm Damage: If a covered peril like a hurricane or severe storm causes water intrusion, leading to mold growth, your policy might help with the cleanup.
Accidental Appliance Leaks: If your washing machine or dishwasher suddenly leaks and causes mold, coverage may be provided.
In these cases, mold remediation is often covered under the dwelling protection portion of your policy.
When Is Mold Not Covered?
Insurance companies generally do not cover mold if it is the result of neglect, ongoing leaks, or high humidity levels. Some scenarios where mold damage may not be covered include:
Long-Term Leaks: If you have a slow leak that goes undetected for months, insurers may classify this as neglect and deny coverage.
Flooding: Standard homeowners insurance policies do not cover flood damage. If mold results from a flood, you’ll need flood insurance for coverage.
High Humidity & Poor Ventilation: If mold forms due to excessive humidity or poor maintenance, your insurer will likely reject the claim.
How to Prevent Mold and Protect Your Home
To reduce the risk of mold damage and potential claim denials, homeowners should:
Fix Leaks Immediately: Address any leaks as soon as they are detected to prevent mold growth.
Control Humidity: Use dehumidifiers and proper ventilation, especially in bathrooms and basements.
Inspect Your Home Regularly: Look for signs of leaks, condensation, and dampness to catch potential issues early.
What to Do If You Have Mold and Need to File a Claim
If you discover mold in your home, follow these steps:
Document the Damage: Take photos and videos of the affected area.
Determine the Cause: Identify whether the mold resulted from a covered peril.
Contact Your Insurance Company: Report the damage and provide necessary documentation.
Consult a Public Adjuster: A professional public adjuster, like Shoreline Public Adjusters, can help ensure you receive a fair settlement from your insurer.
Conclusion
Homeowners insurance may cover mold damage, but only under specific circumstances. Understanding your policy and taking preventive measures can help protect your home from costly mold remediation. If you’re struggling with a mold-related claim, Shoreline Public Adjusters is here to assist you. Contact us today for a free consultation!
Shoreline Public Adjusters, LLC
780 Fifth Avenue South
Suite #200
Naples, FL 34102Email: hello@teamshoreline.com
Phone: 954-546-1899
Fax: 239-778-9889
