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Fire & Water - Cleanup & Restoration

Will My Homeowners Insurance Cover Mold Damage?

1/21/2019 (Permalink)

Mold from water damage in Sun City Summerlin, NV

Will My Homeowners Insurance Cover Mold Damage?

If you discover mold issues in your home, you’ll likely want to file a claim with your homeowners insurance company so they can provide coverage for cleanup. However, most standard homeowners insurance policies only include fungus growth under very specific circumstances. By keeping a few general guidelines in mind when addressing mold, you can discern if your residence in Sun City Summerlin, NV, will be covered under insurance.

1. Confirm the cause of the mold. Homeowners insurance usually only provides mold coverage if the mold is the result of a “covered peril.” That is, a specific incident beyond your control must have occurred that subsequently caused mold to form. Examples of covered peril include ice that formed under your shingles melting into the attic, a fire that required first responders to use water to put it out, or a frozen pipe that burst and flooded your basement while you were away from home.

2. Determine if mold could have been prevented. If there was any reasonable way you could have intercepted fungus growth from occurring in your home, most insurance companies will deny coverage to remove it. Failing to monitor old pipework in your basement to prevent leaks, neglecting to repair or replace an aging roof that can retain water, or allowing shower mold to progress instead of cleaning it yourself are all scenarios where an insurance company will argue that you could have avoided mold formation.

3. Contact a professional to advise you. Call your homeowner's insurance representative at the first sign of mold to confirm if you have any coverage for cleanup and/or associated repairs. If you don’t, ask about adding a mold insurance rider to your existing policy for any future mold incidents. Even if you are covered, most policies have caps on the amount of mold benefits you can receive, so you should also contact a qualified mold remediation specialist for additional assistance.

Fungus growth can be a serious threat to your home. Knowing if your homeowner's insurance will assist you with cleanup or if you alone are financially responsible will help you decide the appropriate steps to take in addressing the issue.

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