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Does Homeowners Insurance Cover Mold Damage?


Does Homeowners Insurance Cover Mold Damage?

Mold has a bad reputation and for good reason. There are a few common types of mold found in homes and almost all types can cause respiratory irritation, allergic reactions, and other health problems. Mold can quickly and quietly spread when there is a presence of moisture in your home. This moisture can come from leaking pipes and appliances, high indoor humidity, or water damaged roofs or windows. So, who do you call when you find mold, your insurance agent or a professional cleaner?

When It May Not Be Covered

Most homeowners insurance policies will not cover mold damage. This is because most listed perils are “sudden phenomenon” where you have no control over or you can prevent the damage. If the mold is caused by something that was preventable or repairable, it more than likely will not be covered. This could be an instance such as a leaking sink that you put off repairing. Staying on top of your home’s maintenance is a great way to find any possible problems that can cause further harm. Here are some tips on performing your own DIY home inspection. Speak with your agent to determine if your policy offers mold coverage and what your limit is.

When It May be Covered

Don’t be discouraged, because mold damage may be covered under certain policies and circumstances. If mold is listed as a covered peril, than you’re in luck! If not, there are times when damage to your home is sudden and as a result, mold forms. This may be covered depending on your policy. Here’s a real-world incident that may be covered: A pipe burst and floods your laundry room. You file a claim right away, but unfortunately, mold has already started to form in the drywall. If the mold is a result of a sudden and accidental peril, it may be covered.

How to Prevent Mold

What is the best way to prevent mold? Keep moisture out! If you live in a subtropical climate or near the coast, humidity is inevitable, but there are ways to lower the moisture inside your home.

  • Invest in a dehumidifier if air-conditioning isn’t enough.
  • Keep pipes in good repair and do frequent inspections to check for leaks.
  • Paint your rooms with paint that has mold resistant properties.
  • Remove carpeting in bathrooms, the garage, the kitchen, or other high humidity rooms.

If you have a mold problem that seems out of control, you may need to enlist some professionals. Check out these tips on determining whether or not you can eliminate the mold yourself or if you need to hire a professional.