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Mold Damage: Does Your Insurance Cover You?


No one likes mold. It’s ugly and it smells bad. Even worse, mold damage, if left unchecked, can cause rot in wood and other materials in your home, leading to very expensive repairs. Mold can also affect your family’s health: People who have asthma or allergies can have their conditions aggravated by the presence of molds.

The big question most homeowners – and even commercial property owners – ask us is whether their insurance covers the cost of remediating mold damage. The answer: It’s complicated.

Mold damage coverage depends on the cause – and on your insurance policy

Let’s back up for a minute and talk about what causes mold damage. Molds need moisture to grow, and often the presence of moisture in the home is due to water damage.

Some types of water damage are covered by homeowner’s insurance – but not all. Water damage due to neglected home maintenance isn’t covered by most standard homeowners insurance policies. For example, if you have a mold problem because you have a leaking downspout that’s spilling water into one part of your home, and you haven’t done anything about repairing that leakage, you are probably not covered.

But what about water damage caused by a flood, which really isn’t your fault? Well, many standard homeowners insurance policies actually do exclude coverage for water damage due to flooding.

Water damage is covered by most standard homeowners insurance policies if it’s due to some kind of water-related accident. For example, if a pipe bursts and causes water damage, that’s probably covered. But the mold damage resulting from the burst pipe probably isn’t covered. The insurance company will assume that you should have done mold remediation immediately.

You can purchase a mold remediation rider for many home insurance plans. Should you? It’s not a bad idea, especially here in the damp Pacific Northwest. Just read the terms carefully to make sure all likely causes of mold really are covered – and that the rider doesn’t exclude something you’d have a hard time preventing.

If you’re concerned about whether your policy covers mold damage, feel free to give us a call. We’ve seen a lot of insurance policies – and a lot of mold damage, too.

Avoid mold damage – call in the mold remediation experts

It’s critical to address any leaks or sudden water damage as soon as you discover the problem, and get help quickly. You’ll want a firm to start drying out the affected areas immediately, and vent the house adequately, too. You don’t need mold spores flying around your house – they can set up residence somewhere else, and also affect the health of any family members who have asthma or allergies.

If you’re worried about mold damage in your home, multifamily building or commercial building, give us a call. We’ll be happy to talk with you, take a look at your situation, and let you know whether you need to worry – or not.

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