Will Your Policy Cover a Mold Infestation?

Mold is a perennial problem for homeowners and, if left untreated, can cause health problems for members of your family. People exposed to mold can have reactions like: 

• Asthma
• Eye irritation 
• Itchy skin
• Sneezing and runny nose 
• Coughing and sore throat.

While these symptoms can be signs of other health issues, if you have a mold infestation they would likely be more pronounced in evenings and mornings and on weekends, when are you are more likely to be spending time at home. But there are steps you can take to reduce the chance of mold building up in your home. And if you do have mold, your insurer may cover cleanup unless you haven’t been diligent about upkeep.

When insurance covers mold remediation

Your insurer will provide coverage if the source of the mold is a peril already covered in your homeowner’s policy, such as water damage from a broken water heater or washing machine. Mold is not covered if you’ve failed to maintain your home or neglected to fix issues like a leaky shower or faucet for years – or if a non-covered event like flooding hits your home. If you suffer water damage from a burst pipe or other mishap, keep records and photographs of all damaged areas so you have proof if you need to file a mold claim later, as mold takes time to grow.

Prevention

The key to avoiding mold is prevention and basic upkeep: 

• Fix leaks after you notice them. 
• In humid areas install dehumidifiers in your home or regularly run your air conditioner. 
• Install exhaust fans in bathrooms. 
• Don’t let water build up under house plants. 
• Regularly clean out your gutters