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Does Homeowners Insurance Cover Mold Removal and Remediation?

By Jarrod Heil

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Mold is a fungus that’s categorized as multicellular filaments that grow different-colored spores and generally have a somewhat fuzzy finish.

If it’s growing in your home, you probably just categorize it as gross.

It doesn’t seem to matter how well you clean or take care of your home, mold seems to spring up anyway.

Unfortunately, if the mold that springs up wasn’t caused by a covered peril within your homeowners insurance policy, you’ll be stuck paying for the maintenance and removal costs yourself.

But if the mold was caused by a covered peril, you may be in luck! Let’s take a closer look at some different mold scenarios that commonly play out in homes.

When Does Homeowners Insurance Cover Mold Damage & Removal?

You’ll be glad to know that homeowners insurance does cover mold if it grew as a result of a covered peril.

These mold-related problems are usually caused by sudden and accidental issues, which typically result from water damage caused by a burst pipe, improperly working air conditioner or something along those lines.

If your insurance company deems the mold was caused by one of these covered perils, it will pay up to the policy maximum to repair any damage the mold caused and to remove said mold from your home.
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Check out some examples of the most commonly covered mold insurance claims:

  1. Your air conditioning unit malfunctions and begins leaking water into the walls of your home, causing mold to build up in the walls and the need for repairs and removal.
  2. A fire rips through your kitchen and firefighters are called to hose it down, resulting in mold buildup during the following months.
  3. Your washing machine hose unhooks and floods the laundry room, resulting in mold growth in the wall and along the baseline of the floors.
  4. Your water heater explodes and spews water throughout the surrounding walls, causing mold to grow.

Luckily, if you have adequate homeowners insurance coverage, you should be protected in these scenarios. But you’ll have to read the fine print of your policy and figure out how much your insurance company will pay for each mold claim.

Mold coverage within your home insurance policy doesn’t have the same high-dollar limits as other parts of your home insurance policy.

While repairs and removal from mold damage could set you back many thousands of dollars, it’s common that homeowners insurance policies have a maximum limit of $1,000 to $10,000 for mold remediation — which is used for removal and repairs.

And states with high probability for mold damage — like Florida — tend to be on the lower end of maximum payouts.

There is good news for homeowners, though! You may be able to purchase an additional rider or endorsement that raises your mold remediation policy maximums.

With this extra coverage, you can rest easy knowing that your home is protected against those pesky multicellular filaments of fungus.
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When Does Homeowners Insurance Not Cover Mold Damage & Removal?

If the mold in your home grew as a result of negligence or a preventable instance, homeowners insurance won’t cover mold remediation and you’ll likely be stuck paying for removal and repairs out of your own pocket.

Maintenance issues that could’ve been prevented, such as leaks and failing to humidify a home, are oftentimes deemed to be the responsibility of individual homeowners.

Insurance companies will not pay for these types of mold insurance claims. Let’s take a more in-depth look at some of those situations.
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Check out some examples of non-covered mold insurance claims:

  1. A homeowner lives in an extremely humid climate and goes out of town for a few weeks, failing to dehumidify their home and allowing mold to grow throughout the walls.
  2. A faucet that has been leaking for quite some time and has now seeped into the walls behind the sink, causing mold to grow throughout.
  3. Flood waters enter a home and causes mold to grow in the floorboards or basement of a home.

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How Much Does Mold Removal Cost?

Mold remediation can cost upwards of $30,000 or more, depending on the size and severity of an affected area within a home. It’s important to always be on the lookout for any instances and scenarios that could cause mold to grow throughout your home.

If you smell a musty odor in certain areas of your home or notice water spots in the ceiling, walls or floors, it’s important to call a professional as soon as possible so they can inspect the damages.

If you spot damage but do nothing about it for an extended period of time, your home insurance company has the right to deny a mold insurance claim that otherwise would’ve been covered.

Get a Quote Compare multiple policies to get the coverage you need at the price you want.


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