Homeowners Insurance: Does It Cover Mold Damage?

Does homeowners insurance cover mold damage

Mold is a common problem that many homeowners face, and it can be a costly issue to resolve. One question that often arises is whether homeowners insurance covers mold. The answer depends on various factors. In this post, we will explore when mold is covered by homeowners insurance, how to find coverage for mold, and how to make a successful mold insurance claim.

When Does Homeowners Insurance Cover Mold?

Homeowners insurance generally does not cover mold if it results from a lack of maintenance or negligence. For example, if you have a leaky roof that you ignored, which led to mold growth, your insurance company is unlikely to cover the damages. However, if the mold is caused by a covered peril, such as water damage from a burst pipe, your insurance company may cover the damages.

It’s important to note that not all insurance policies are the same, and coverage can vary depending on the policy’s terms and conditions. Some policies may include limited coverage for mold, while others may exclude it entirely.

How to Get Coverage for Mold?

If you’re concerned about mold and want to ensure that your homeowners insurance policy covers it, you should review your policy’s terms and conditions carefully. If you’re unsure whether mold is covered, contact your insurance agent or company and ask for clarification.

Consider purchasing a separate mold insurance policy. These policies are specifically designed to cover mold-related damages but can be expensive. Be sure to compare policies and costs carefully before making a decision.

How to File a Mold Insurance Claim?

If you discover mold in your home and believe that your homeowners insurance policy covers it, there are a few steps you should follow to make a successful claim:

Document the damages: Take photos or videos of the mold growth and any damages it has caused.

Contact your insurance company: Report the mold growth to your insurance company immediately. They will send an adjuster to assess the damages and determine if your policy covers them.

Mitigate the damages: Prevent further damage, such as repairing leaks or removing wet materials.

Follow up with your insurance company: Keep in touch with your insurance company throughout the claims process and provide any additional information they request.

Homeowners insurance may cover mold damage caused by named perils in the policy. If you need additional protection, consider purchasing a separate mold insurance policy.

Protect Your Home Against Mold Damage with Gee Schussler Insurance

At Gee Schussler Insurance Agency, we offer all-inclusive homeowners insurance that includes coverage for mold. So, you can live with peace of mind without worrying about potential mold damage and resulting losses. Contact us today to find the right homeowners insurance coverage for your needs.