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Understanding How Mold is Covered

By April 7, 2021September 27th, 2021Home

Mold spores are everywhere. You can find the fungus inside your home or outside; if you live in a humid area you need to be aware that it could be growing unobserved, potentially threatening you and your family with physical symptoms.

Some forms of mold are hazardous, releasing chemicals that can cause eye irritation, nasal stuffiness, wheezing and other respiratory issues. Many homeowners pay little attention to mold until it has become a severe problem, and if the mold has been growing for some time it can become a contentious issue.

Water can get into your home during a storm, firefighting efforts, or from a broken pipe. The mold can spread quickly and cause a serious problem. Now, the concern about mold insurance claims centers around whether the mold already existed before the event brought water into the home. How much will homeowners insurance pay for mold removal?

Does Homeowners Insurance Cover Mold Remediation?

Homeowners insurance typically covers mold removal if a “covered peril” caused it. Some examples of these perils include:

  • Weight of ice, snow, or sleet
  • Fire
  • Frozen pipes
  • Vandalism
  • Leaks from plumbing or household appliances

Most home insurance will not cover mold formed from flooding or high humidity. Flooding requires separate insurance coverage, and humidity is a maintenance issue that happened over time and should have been addressed.

Will Home Insurance Cover Your Mold Damage?

Depending on your carrier, mold may be covered by your Homeowners Insurance if it resulted from a specific peril covered in your policy. To make a successful mold claim, you need to show that the mold’s damage was sudden and accidental. An excellent example of this is a burst pipe that led to mold—and you reported it promptly to your homeowners insurance provider!

Remember, depending on your insurance carrier mold coverage could be limited to a specific dollar amount, although you might be able to increase those limits by paying a higher premium. Also, be aware that many homeowners insurance policies contain a list of exclusions of damage caused by mold:

  • Routine wear and tear
  • Long-term leaks that were not repaired
  • Bad repairs
  • Moisture from construction

Choosing the Right Homeowners Insurance Carrier that Offers Higher Mold Sublimits

Having a home insurance provider that communicates with you will prevent unpleasant surprises if you discover mold. Knowing what will and will not be covered can increase your awareness and help you protect yourself from a potentially hazardous situation. White Cloud Insurance began providing competitive personal insurance options to individuals and families across the United States over 60 years ago. Get in touch with us and find out what we can do for you!