Does Homeowners Insurance Cover Mold?

Your homeowners insurance policy can help pay for damage to structural aspects of your home from covered perils. In some cases, this coverage may include damage from mold. Read on to learn when you can expect mold to be covered by your homeowners insurance policy.

At McDonald Insurance Group, we understand the value of protecting your home from damage. Contact us in Littleton, Colorado, to learn more about our homeowners insurance coverage solutions.

Does Homeowners Insurance Cover Mold?

Typically, whether your homeowners insurance will cover mold depends on the cause of mold growth. If mold grows in your home because of a covered cause (e.g., a pipe bursts, a large appliance develops a sudden leak), your homeowners insurance may help pay for mold remediation.

When Does Homeowners Insurance Not Cover Mold?

If negligence or lack of regular maintenance leads to mold growth in your home, your insurance company generally won’t pay for damages. Consider the following instances where mold growth is typically not covered by homeowners insurance:

• Lack of necessary ventilation in your home
• Lack of necessary repairs in your home
• Poorly sealed windows and doors
• Water sump pump failure

Standard homeowners insurance policies typically don’t cover damage from floods. Mold growth resulting from flooding in your home will generally not be covered by home insurance. Speak to your insurance agent or contact McDonald Insurance Group for more information on homeowners insurance coverages.

What Should I Do If I See Mold?

Finding mold in your home can be frightening. If you see mold, act quickly to minimize the damage it can cause. The following are examples of how you can prevent the spread of mold in your home:

• Stop the leak immediately.
• Clean up the excess water.
• Dehumidify the affected area.
• Make the necessary repairs to prevent further damage.
• Contact your insurance company immediately.

If you plan to file a homeowners insurance claim for mold, document the damage in your home with pictures and videos, if necessary. You should also keep the receipts for any necessary repair costs you make to your home.

Contact Us Today

We’re here to help. Contact McDonald Insurance Group to learn how our homeowners insurance can provide peace of mind and to speak to an insurance agent.

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.