Does Your Insurance Policy Cover Mold Growing in Your Home?

3/11/2019 (Permalink)

Mold remediation is covered under most homeowner's insurance policies if caused by water damage.

One of the most common questions that we receive in our Woodbridge office is whether mold damage remediation will be covered by a standard homeowner's insurance policy. It can be surprising to some homeowners to discover that their insurance policy does not cover mold. 

While mold coverage varies from policy to policy, many insurance companies do not include damage caused by mold, fungi, and bacteria in their standard coverage. In particular, if the mold is a result of neglect such as the failure to address a leaking pipe, it is not typically covered. That said, when mold is caused by a sudden and unexpected event such as water damage from a burst pipe, the remediation is often covered. 

We recommend that you call your insurance agent if the language of your policy is unclear. Some policies contain clauses that exclude mold.  Some will cover mold removal only under certain circumstances. Typically, if your policy does not include mold remediation it can be added onto the policy. It's a smart preventative measure that can save you thousands in the future.  

If you see signs of mold in your New Haven  County home, call SERVPRO of Milford-Orange-Stratford at (203) 301-0500 to make an appointment for inspection. Our office staff has a wealth of experience with both homeowners and insurance companies and will help guide you through the mold remediation process.