Does Homeowners Insurance Cover Mold Damage?

Mold is a frequent household concern that can pose serious health risks and lead to expensive repairs. Whether it may be covered by homeowners insurance depends on the source of the mold and the details of your policy.

Is Mold Damage Covered by Homeowners Insurance?

Homeowners insurance may cover mold damage if it stems from a covered event, such as a burst pipe, appliance overflow or storm-related roof leak. However, mold caused by neglect, poor upkeep or long-term water issues is usually excluded from coverage.

Most standard policies place limits on mold-related claims, and some may not cover mold at all unless you’ve added specific endorsements. It’s essential to review your policy details and consult your insurer to fully understand your coverage and any exclusions.

How to Prevent Mold and Mold Damage

Preventing mold is often easier and less expensive than dealing with its consequences. The following may be some effective strategies:

• Maintain humidity levels. Place dehumidifiers in moisture-prone areas like bathrooms and basements to help maintain humidity levels below 60%.

• Ventilate properly. Maintain proper ventilation in high-moisture areas. Use ventilation fans in the kitchen, bathroom and laundry room to help reduce humidity.

• Fix leaks promptly. Repair any plumbing, roof or window leaks immediately to prevent moisture buildup.

• Use mold-resistant products. When renovating, opt for mold-resistant drywall, insulation and paints, especially in moisture-prone areas.

• Clean and dry after flooding. In the event of flooding, be sure to clean and dry all impacted areas within 24 to 48 hours to stop mold from forming.

• Monitor and maintain HVAC systems. Routinely check and maintain your HVAC systems to reduce moisture buildup and limit the spread of mold spores.

• Inspect regularly. Check under sinks, around windowsills, and in basements or attics for any evidence of dampness or mold.

Learn More

While homeowners insurance may offer some protection against mold damage, prevention is your best defense. Maintaining a dry, well-ventilated home and addressing water issues quickly can help you avoid the health risks and financial burden associated with mold. For homeowners insurance near you, contact Vozza Insurance Agency.

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.