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Fire & Water - Cleanup & Restoration

Mold and Insurance Coverage

2/26/2019 (Permalink)

Have a Mold Problem? Call SERVPRO of Bear/New Castle Today – (302) 392-6000

What Homeowners Need to Know About Mold and Insurance Coverage

It's a nightmare for many homeowners: after dealing with water damage in your home, you discover mold. Good thing you have insurance, right? Well, maybe not. Homeowner’s insurance doesn’t always cover mold growth. To get full mold coverage, you may need individual mold insurance. Here’s what every homeowner should know about mold and insurance. 



It’s Not Covered in Standard Policies

If you purchased a standard insurance policy for your home, chances are that your insurance won’t pay for repairs needed due to mold growth. Standard plans consider the growth of mold to be a home maintenance issue, which these policies don’t cover. However, if mold is a result of an insurable peril, you may be in luck. 



Secondary Mold May Be Different

While most home insurance policies don’t reimburse for the cost to get rid of mold when fungus is the primary problem, you may be covered if mold is results from a different issue. For instance, if a pipe bursts in your home and causes fungus to pop up, your homeowner’s insurance may pay for the repairs. 



Flood Insurance May Provide Coverage

You may be surprised to learn that flooding caused by rain is not covered by standard homeowner’s insurance policies. If a storm causes mold in your home, the question of insurance covering the cost becomes more complicated. If you have flood insurance, the policy will likely pay out for mold removal. However, if you don’t, you may be stuck with the bill. 

You Can Prevent Mold

The best strategy may be to prevent mold altogether. While this is not always possible, here are things you can do to guard your home against the fungus: 

  • Clean gutters regularly
  • Use exhaust fans in your bathrooms and kitchen
  • Use bleach to clean your bathrooms
  • Leave carpets out of the basement, bathrooms, and kitchen

If you’re not sure if your insurance has mold coverage, you can talk to a local contractor. Larger, more sophisticated companies often have professionals who can speak to insurance providers on your behalf. The sooner you get rid of the fungus growth, the better. 

Have a Mold Problem? 
Call SERVPRO of Bear/New Castle – (302) 392-6000

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