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Does homeowners' insurance provide protection against mold?



Mold is not a source of concern when growing outdoors. However, it is a serious issue that needs to be addressed quickly as it grows indoors. The reason is that it can cause serious health problems for you and your family. It can also damage your belongings and your home itself.

Unfortunately, despite how harmful it is, mold is not always covered by a regular homeowner's insurance policy. As such, we recommend that you contact the experts for more information.

When does homeowners' insurance cover mold damage?

Most homeowners insurance policies that cover mold do so based on the source of its growth. [19659002] Examples of these are:

  • Broken water heater
  • Water damage after extinguishing a fire
  • Cracked or broken pipe (s)
  • Broken appliances, such as dishwasher or washing machine, cause leakage

Take Note that mold formation is the result of any of the above and not the initial damage. In such scenarios, a homeowner's insurance policy will repair your floors or walls and fix mold. But most insurers will not replace the broken device.

In addition, the insurance may limit the amount to be paid for mold remediation, which may be less than what you need.

When Does Homeowners Insurance Do Not Insure Mold Damage?

If mold formation is due to lack of regular maintenance or upkeep, most insurance companies will refrain from covering it. If your home has any of the following, expect your insurance provider to refuse to provide insurance coverage.

  • Broken or dirty gutters that cause water to flow to other parts of the house
  • Improper sealing along the shower or toilet that causes water to seep through the floor
  • Poor ventilation in bathrooms or kitchens that causes an increase in humidity [1
    9659009] If you are in any of the above scenarios, you will have to pay the full out-of-pocket repair cost.

    How to prevent mold growth

    The most effective way to prevent mold growth is to handle moisture properly. To do this, identify the areas of your home that are prone to capture moisture from all sources and monitor them. This is because they have the highest tendency to mold growth.

    How to check for moisture

    To effectively manage excessive moisture content in your home, follow these tips:

    • Clean up water spills and leaks immediately after they occur or as soon as you notice them
    • Clean drip trays regularly for air conditioning and clearing sewers to ensure proper water flow
    • Clean and repair gutters regularly
    • Make sure the ground slopes away from your home to prevent water from accumulating around your foundation

    Mold growth is an unpleasant event. Fortunately, it is largely preventable. Make it a habit to do regular checkups to identify when maintenance is needed. This way, you can avoid mold growing in your home, along with its consequences.

    At Abbate Insurance, our team of experts can help you get the right home insurance for your unique needs. Contact us today to get started!


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