Home Owner’s insurance doesn’t always cover problems for you but then if you have a valid claim, it most certainly will cover your loss.

In the case of mold situations, homeowners insurance may or may not cover you. First, we can talk about situations where homeowners insurance covers you.

Is Mold Damage Covered by Homeowners Insurance?

When You Need Home Insurance:

Homeowners insurance only covers you if your mold is due to unforeseen circumstances or the mold has been caused by covered perils.

Covered perils can include,

  • Fire
  • Lightning
  • Vandalism or malicious mischief
  • Damage caused by vehicles
  • Theft
  • Falling objects
  • The weight of ice, snow, or sleet
  • Accidental discharge or overflow of water or steam from plumbing, heating, air conditioners, sprinkler systems, or household appliances
  • Frozen pipes

Let’s assume you’re not at home and you’re away for a 2-week vacation. A pipe in your basement bursts open for some reason and it starts flooding your basement.

Of course, the damage here is more than just a mold growth, but the point is that home owner’s insurance will cover you whatsoever.

Now, this can have further implications such as whether the pipe was previously expected to have burst open and you did not get it changed in time, or it was a surprise.

Also, if a water drainage channel leaked unexpectedly or a pipe burst open in your attic or basement while you were away, and the water collected, it may cause mold in most cases.

Home owner’s insurance covers such mold situations which arise due to situations which were not anticipated.

If your roof leaks because of a storm or some heavy rain and this cause mold, inevitably this is covered by home owner’s insurance.

In simple words, if there is a situation where you cannot choose to avoid molds, such as one that involved natural disasters or unexpected property damages, your insurance will most probably cover any problem that arises due to such circumstances.

When doesn’t insurance cover you?

Insurance can be tricky to deal with, there are situations in which a home owner’s insurance does not cover mold problems for you.

A rule of thumb is that if you anticipated the situation or you had some sort of control over it and you didn’t do anything about it, your insurance will not cover you.

For example, a water pipe in your basement has been leaking for a few days or weeks and you look at it every day and forget to do anything about it.

At some point the leaking water causes enough dampness for mold to not only grow but thrive.

Another example is that if you have been seeing mold growing in your wardrobe or under some kitchen cabinet for a couple of weeks.

At some point, this mold grows to be too much or starts making someone from your family sick. Since you knew the mold was there but only took action when the problem got serious, your insurance will most likely not cover you.

In simple words, if there is a situation which could possibly lead to mold growth and you are generally or even somewhat aware of the problem, yet you don’t do anything.

Under this situation, the home owner’s insurance is a big ‘no’.

Also, if your roof has been leaking for a few weeks let’s say, and you don’t do anything about it until there is a mold situation.

It is very unlikely that insurance covers mold growth that is due to this. Negligence on the home owner’s end does not allow him to benefit from the home owner’s insurance.

Insurance will only cover those issues for you that you had control over and you fixed the anticipated problem before it caused molds, or you had no control over the situations.

What if the Mold Has Already Been There?

Insurance companies can tell about old and water damaged buildings. When you get such a house the company will most probably charge you a lot for a claim.

This is because such a house is more prone to mold growth. Insurance companies play it smart and usually have a way out, if this is the case, it is better to pay for mold removal without filing a complaint.

Related Topics: Mold Attorney

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