Does Homeowners Insurance Cover Mold?

Mold is common in homes and buildings. It can grow wherever there is excess moisture (e.g., around doors and windows) and cause property damage. According to the Centers for Disease Control and Prevention, mold can also cause people to have mild to severe allergic reactions. Continue reading to learn when your homeowners insurance may help pay for mold-related damages.

Does Homeowners Insurance Cover Mold? 
Generally, your homeowners insurance policy will only help pay for mold damages if a covered peril has caused the mold. Although individual coverages may vary, this could include mold growth resulting from a burst pipe or water damage from extinguishing a fire. Your homeowners insurance will typically not cover mold damages resulting from negligence or a lack of regular maintenance. 

The following are examples of instances when mold damage may not be covered:

• Flood damage
• Poorly sealed windows and doors
• Lack of repairs
• Lack of necessary ventilation

Review your policy carefully to understand when mold growth is covered at your property.

How Can I Prevent Mold Growth? 
The best way to prevent mold from becoming a problem at your home is to prevent it from growing in the first place. Consider the following tips for reducing mold growth in your home:

• Keep your gutters free of clutter and debris.
• Fix any water leaks immediately.
• Ensure rainwater is being directed away from your home.
• Inspect your roof, faucets, pipes and hoses for leaks regularly.
• Keep the humidity in your home low with air conditioners and dehumidifiers.
• Consider replacing the hoses on large appliances every five years.
• Use or install exhaust fans in your bathroom and kitchen.

How Do I File a Mold Claim? 
Here are some tips to follow in the unfortunate event that mold causes damage to your home:

• Stop the leak immediately.
• Photograph the damage.
• Clean up excess water.
• Dehumidify the area.
• Make necessary repairs to prevent further damage.
• Inform your insurance company as soon as possible.

How Do I Buy Homeowners Insurance? 
The best homeowners insurance policy is the one you can trust. Contact James V. Funaro Agency in Bethpage and Levittown, New York, to learn more about our home insurance solutions.

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.