Does Home Insurance Cover Mold Damage?

Mold is more than just an unsightly nuisance; it can pose serious health risks and cause extensive damage to your home. If you discover mold growth, your first question might be: Will my home insurance cover this? The answer typically depends on the cause of the mold and the specifics of your policy.

When Can My Policy Cover Mold Damage?

Home insurance policies typically cover mold damage only when it results from a covered peril. For example, if mold develops due to water damage from a burst pipe or a roof leak caused by a storm, your insurer may pay for mold remediation.

Policies may also cover mold if it stems from extinguishing a fire or other sudden, accidental events. However, coverage limits often apply. Some insurers cap mold-related claims or require additional endorsements for full protection.

To improve your chances of coverage, it’s important to act quickly. Mold spreads fast and insurers may deny claims if they believe the damage resulted from neglect or delayed maintenance.

Are There Times When My Insurer Might Reject a Claim for Mold Damage?

Unfortunately, many mold claims are denied because the damage is considered preventable or due to poor maintenance or upkeep. For example, if mold results from long-term humidity, poor ventilation or slow leaks that weren’t addressed promptly, insurers often classify it as a maintenance issue, which is excluded from standard policies.

Additionally, mold caused by flooding is typically not covered unless you have separate flood insurance. Policies also tend to exclude mold from sewer backups unless you’ve purchased specific coverage for that risk.

To avoid surprises, review your policy carefully and consider adding mold-specific endorsements if available. Regular home inspections, prompt repairs and moisture control can also help prevent mold and strengthen your case if you ever need to file a claim.

We’re Here to Help

Contact All Insurance Multiservices today to discuss coverage options for mold issues in your home.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.