Is mold damage covered by insurance?

Thumbtack Editors
Answered

Mold damage may or may not be covered by your homeowner's insurance. Mold damage is caused by standing water and excess moisture. Mold damage can be covered by insurance when an item already covered under your homeowners insurance breaks accidentally — for example, if your plumbing suddenly ruptures and water floods your house, the homeowners insurance will cover part or all of the costs for the plumbing repair and any mold remediation costs necessary as a direct result of the water damage.

But you may not be able to get insurance to pay for your mold remediation costs if the damage is a result of your neglect — for example, if you’ve had a slow leak under your bathroom sink for years and have ignored the issue. If the insurer can determine that the mold damage is a result of your negligence, they likely won’t cover mold remediation costs. Also, most homeowners insurance will usually not cover mold remediation costs after a flood unless you have a special insurance rider covering your home in case of a flood. To help prevent mold damage, always keep humidity levels in your house between 30 percent and 60 percent, clean up water spills and damp areas right away, and ensure you have exhaust fans in your kitchen and bathroom.

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