Does Home Insurance Cover Mold? Understanding Your Coverage

Home insurance may cover mold only if it’s caused by a sudden and accidental peril, such as a burst pipe or storm damage. It usually does not cover mold from poor maintenance, long-term leaks, or high humidity. Coverage depends on your specific policy and limits.

When Home Insurance Covers Mold

Mold remediation can be costly, but your policy may help if the mold results from:

• A burst or frozen pipe

• Sudden water heater failure

• Storm damage (wind-driven rain, roof leaks caused by storms)

• Accidental appliance overflow

In these cases, insurance often covers cleanup and repairs up to policy limits.

When Mold Is Not Covered

Home insurance typically excludes mold caused by:

• Ongoing leaks or poor maintenance

• High indoor humidity or poor ventilation

• Flooding (requires separate flood insurance)

• Negligence in fixing known water issues

If mold develops slowly over time, it’s generally considered preventable and not covered.

Key Points

• Mold may be covered if caused by a sudden, accidental event.

• Maintenance-related or long-term mold is usually excluded.

• Coverage limits often apply—commonly between $1,000 and $10,000.

• Review your policy and consider mold endorsements if you live in high-risk areas.

FAQs

1. How much does mold remediation cost without insurance?
Anywhere from $1,000 to over $20,000, depending on severity.

2. Can I buy extra coverage for mold?
Yes, some insurers offer mold endorsements or riders for added protection.

3. Does flood insurance cover mold?
If the mold results from flooding, a flood policy may cover it, but limits vary.

4. How can I reduce the risk of uncovered mold?
Fix leaks quickly, maintain good ventilation, and use dehumidifiers in damp areas.

Final Thoughts

Mold coverage under home insurance depends on the cause. If it’s sudden and accidental, you may be protected. If it’s due to neglect or ongoing issues, you’ll likely pay out-of-pocket.

At THAgency, we work with nearly 100 carriers to secure the best coverage at the best price. With 30 years of experience, we help homeowners protect what matters most. Fill out the form below to see your options.

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