mold in a shower

Homeowners yearly spend on average about $1,319 per year to protect their homes with homeowners insurance. This breaks down to about 1.91% of their income spent on this insurance.

They assume this will provide the important coverage they need.

In fact, most homeowners don’t consider the issue of mold and coverage for it until they already have a problem with mold in their home. Then they’re left wondering about homeowners insurance covering mold, how will they get rid of the mold, and who will pay for it?

So, when does homeowners insurance cover mold in the home? Are there times when it doesn’t cover mold?

If you’re wondering does homeowners insurance cover mold, read on to learn more.

When Does Homeowners Insurance Cover Mold

The good news is that there are certain instances when mold removal is covered in your homeowner’s policy. You have mold coverage when the mold is caused by peril, which basically means you got the mold as a result of some other problem that’s already covered.

Peril coverage might come from a problem related to:

  • Fire
  • Theft
  • Lightning
  • Objects falling and causing damage
  • Vandalism or malicious mischief
  • Damage caused by vehicles
  • Weight of ice, snow, or sleet
  • Frozen pipes

Since these are called perils that would be a part of your homeowner’s policy already, the mold that results from one of these problems would also be covered.

Examples of Mold Removal Coverage

mold on a wallSo, how do those items of peril translate to real examples of coverage? Let’s consider a few examples.

If you have a toilet in an upper floor bathroom overflow causes water to flood not only that room, but also other rooms. Gravity kicks in and water drains down the walls to floors below. Anytime there’s water where it shouldn’t be, there’s a risk of mold.

If you got mold in the drywall in this example, then the removal would be covered.

What if you have an ice storm and ice builds up inside your gutters flowing back up under your shingles. The water from the ice leaks into your attic causing the insulation to get wed and mold to form.

If you have a home fire that requires firefighters to use water to extinguish it and mold forms as a result. You would have coverage for the fire damage and the mold that forms as a result.

When Does Homeowners Insurance Not Cover Mold Removal

The truth is that mold particles are everywhere and they can sneak into your house without you realizing it. There are many situations where you could end up with mold in your home and it won’t be covered by insurance.

If you get mold in your home because of your own neglect or lack of maintenance on your home, the mold removal will not be covered by insurance.

Another situation where mold won’t be covered is if you live in a flood plain. If you have a regional flood and your home gets mold as a result of the flooding, insurance will not cover this. The exception would be if you purchased a rider for flood protection.

Examples of Mold Removal Not Covered

Let’s take a look at some examples of mold situations where you need it removed for sure, yet the insurance is likely to deny a claim.

If your kitchen faucet has a slow leak, that continues to leak over time make the wall and cabinets below regularly wet. The subsequent mold that will grow will not be covered. This is a neglect of maintenance on the part of the homeowner and insurance will not cover it.

The difference would be if a pipe suddenly burst to cause a significant flow of water that causes water damage and mold, then it would be covered as this wasn’t neglect on your part.

Perhaps there is mold in your shower. At first, you think to yourself, I should probably take the time to get this shower cleaned. Then you don’t. Then suddenly your shower has a huge mold problem. Insurance wouldn’t cover this as it’s a result of your neglect.

Another simple example might be the mold that builds up simply because you live in a high humidity climate.

Filing a Claim With Insurance for Mold

Before you even have a mold problem, it makes sense to check over your homeowner’s policy. Many insurance companies are opting to not cover mold from any scenario. You want to be aware of your coverage options.

If you have a water problem that results in mold, don’t wait to tell your insurance company. You want to get a call into them as quickly as possible.

Often if you have a sudden leak or burst pipe, they can send in a mold remediation team to help to prevent the mold from starting as a result of the water.

They will send an adjuster to consider the source of the mold and start the claim process.

Preventing Mold In Your Home

You already recognize that having mold in your home is dangerous and unhealthy. So, what are some things you can do to prevent the mold from growing at all?

If possible, avoid installing carpet in bathrooms, basements, or other parts of your home prone to more moisture.

Make sure your bathroom and kitchen have ventilation fans and use them when you have water going. Use a dehumidifier in your home to control humidity levels so mold won’t have the right environment to grow. And make sure your gutters get cleaned so water doesn’t push up under your shingles causing leaks into your attic space.

Check any connector hoses for appliances regularly to make sure none are leaking, especially because they are often hidden and mold could start without you realizing it.

What You Need to Know About Homeowners Insurance Covering Mold

While you may go to your homeowner’s insurance for covering mold, there are many scenarios where they may not cover it. Either way, you want to make mold removal your top priority if you spot it in your home.

Looking for the best mold removal services to help you clean up your home? Get in touch with us today to discuss your mold problem and let us help you get rid of it once and for all.

Water and Mold Reporting

Find more information on the reporting requirements in each State, when water or mold damage occurs at your property. Get more details on property disclosure reports, and where to find them.


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