Does Home Insurance Cover Mold Removal

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Solved! Does homeowners insurance cover mold? Does homeowners insurance cover mold problems? It all depends on the cause of the mold and your policy.

Does Home Insurance Cover Mold Removal

Does Home Insurance Cover Mold Removal

Q: I found mold in my home and am hiring a professional to remove it. Does my homeowners insurance cover mold problems?

Mold Remediation, Mold Damage Restoration & Mold Removal Services

A: The mention of mold can strike fear into the hearts of homeowners everywhere. Depending on the source of the fungus, homeowners insurance may cover the cost of mold remediation and removal. Depending on where a homeowner lives, their insurance policy may cover a maximum of between $1,000 and $10,000 for mold remediation.

What is mold? Mold is a type of fungus that depends on moisture for growth. Mold species can be classified into three groups: allergenic (molds that produce allergies or asthma attacks), pathogenic (molds that can cause health problems), and toxic (molds that produce toxic substances that can lead to dangerous health conditions or fatal).

Why is mold considered harmful? Apart from its appearance, indoor mold can cause irreparable damage to fabric, upholstery, wood and other building materials. Mold can also release spores into the air, causing illness for anyone living in the home or area where the mold is infested. In addition, mold remediation can be very expensive, which no homeowner wants to hear (or pay for).

Homeowners who live in high-risk flood zones or areas that are prone to natural disasters such as storm surges or hurricanes should invest in flood insurance immediately, as homeowner’s insurance usually does not cover mold caused by floods or storms.

Homeowners Insurance Guide: A Beginner’s Overview

Flood insurance can be taken out for a building policy, a contents policy or both. With a construction policy, the walls, HVAC, built-in appliances, roof, and floors (among other systems) are covered. A contents policy, often added to a building policy, protects valuables in the home such as furniture, small appliances, clothing, and more.

It is important to speak with an insurance agent to understand the coverage limitations of a flood insurance policy. Discuss direct vs. indirect coverage as well as where mold removal would be covered. Policies may limit mold coverage to certain areas of the home, such as basements or crawl spaces.

Homeowners in a high flood risk area should ensure that they have appropriate homeowners insurance and flood insurance, as well as basic knowledge of mold detection and prevention to protect their homes from damage.

Does Home Insurance Cover Mold Removal

Mold remediation continues to be covered under homeowners insurance policies when it is caused by equipment that fails to work because the equipment is dangerous, meaning the insurance company has agreed to pay for specific events or situations. Although indoor perils vary by insurance policy, common perils include sudden or accidental damage to a water heater or HVAC system, unexpected freezing of equipment due to weather, weight of snow, ice or sled, and explosions.

Mold Removal Process

Natural disasters that produce strong winds and heavy precipitation, such as hurricanes, can cause mold to grow, and these are usually covered under home owner insurance. However, if mold is the result of a simple rainstorm, it probably won’t be covered.

Typically, when mold grows after rain, the home owner failed to take the proper preventive measures. Mold can develop after a rainstorm for a variety of reasons:

Taking preventative measures, especially after heavy rain storms, can prevent mold growth and save homeowners hundreds or thousands of dollars in damage costs.

Although this issue tends to depend on the seller, insurance policies will usually cover mold resulting from putting a house fire, because the situation is not the result of negligence.

How Much Does Mold Removal Or Mold Remediation Cost? (2023)

Homeowners insurance policies cover mold remediation when the source of the risk is already covered under the insurance policy, such as water heaters or dishwashers that don’t work. However, if mold growth is the result of not installing a leaking bathtub or shower head or failing to dehumidify a basement, homeowners insurance will not cover this. If a homeowner were to file a claim, it would likely be denied based on failure to correct the problem immediately, as mold growth can take several days or weeks to notice.

If you suspect widespread mold in your home, hire a professional to help remove and address it.

Although there are a number of home remedies to get rid of mold – or at least, stop it from growing and spreading – hiring a professional to tackle and remedy a widespread mold problem is the best and safest option.

Does Home Insurance Cover Mold Removal

Homeowners should be vigilant when dealing with mold, as its growth can pose serious health-related threats. Ignoring this issue and allowing the mold to thrive and spread throughout the home can be dangerous and harmful to those who live there. Professionals can identify the type of mold growing, know how to protect yourself and those living in the home, remove the mold, and advise how to prevent further mold growth.

Is Mold Removal Covered By Home Insurance?

As a general rule, mold removal should be trusted to professionals, no matter how small or extensive the issue. Homeowners should not blow on the mold, touch it, dry it or try to paint over it. Your best bet to stop it in its tracks before it’s too late is to hire a mold removal expert to take care of the issue right away. Our phone system will be down for maintenance between February 18th at 9pm CST and February 18th at 11pm CST. During this time, you can log into your customer portal here for assistance including checking the status of your claims, filing a new claim, etc. or call us after 11 PM CST. We apologize for the inconvenience.

Mold is unhealthy, unsightly and a bit of a pain to get rid of. With proper home care, hopefully you will rarely have to deal with mold. But sometimes, the unthinkable happens and mold can sprout in places like your bathroom or basement without your own fault. And if that happens, you’ll probably wonder how much of the drag you’re on the hook for.

Your homeowners insurance policy will cover mold on a case-by-case basis, meaning that not every situation will be covered. Mold coverage is one of the more complicated categories of your homeowners insurance policy, for several reasons. Not only is mold difficult to remove, but the root cause of mold is difficult to find (which you need to know when filing a claim).

So what do you do when you find mold, and how do you know if your homeowners insurance policy covers mold damage? Below, our experts answer all your questions and offer their advice on this unpleasant growth once it appears in your home or condo, and how to stop it from returning.

What Is Mould And How To Get Rid Of It?

Before signing (or renewing) your home insurance policy, it’s best to do your research on the types of mold growth covered by your insurer. This way, you’ll know what to expect when it comes time to file a claim and pay your deductible for mold damage in your home.

The mold coverage your home insurance policy includes depends primarily on your perils involved. While every policy is different, you’ll probably be covered by the following things that could cause mold:

The above is not a comprehensive or guaranteed list, so you should ensure that you read your policy carefully to determine what risks you are protected against. Once you have the list, you can better understand when you can make mold claims.

Does Home Insurance Cover Mold Removal

Another issue worth noting for mold cover is that most insurers require damage to be from a “sudden and accidental” issue. Basically, this means that the issue causing the mold needs to happen suddenly and flawlessly to be covered. Mold caused by a homeowner’s neglect or negligence falls into the uncovered category.

Does My Homeowners Insurance Cover Mold Damage?

Although you may think that your home insurance policy will protect you against everything, unfortunately this is not always the case. Mold caused by perils not covered by your home/personal property policy will not be covered.

Let’s say you decide not to buy a separate flood insurance policy, and then your home floods due to a rainstorm or other natural disaster. The resulting mold that grows from the flood damage would not be covered. If you want to be covered in cases like this, it is recommended that you purchase flood or hurricane insurance, or at least add a mold endorsement to your policy.

Insurers also cover any mold growth resulting from damage that occurred before the policy started, or before you bought your home. So make sure you perform a thorough inspection of your new home before buying (or before changing policies). Finally, homeowner negligence is another excluded mold coverage. If you noticed a leak but took a little time to fix it, or didn’t notice it at all, you would be responsible for fixing the mold that developed as a result.

Mold is an expensive and dangerous issue, because of the difficulty in removing it as well as the health hazards it causes to the structure of your home and the health of your family. Although overall costs depend on the amount of mold growth as well as the type of mold, you can expect to pay an average of $2,222 for mold remediation.

Mitigation In Insurance: What Is It?

According to the CDC, mold can not only cause an allergic reaction,

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