Does Home Insurance Cover Mold Damage? What Homeowners Should Know

Mold damage can wreak havoc on your home’s structure and your family’s health. Tiny spores spread through damp areas, causing extensive damage to walls, floors and personal belongings. Knowing when your homeowners insurance policy may cover mold claims helps avoid costly out-of-pocket repairs.

Does Home Insurance Cover Mold Damage?

Most standard home insurance policies offer limited coverage for mold damage and only when it results from a covered event. For example, if a pipe suddenly bursts and causes water damage that leads to mold growth, your policy may cover the cleanup. However, insurance typically won’t cover mold resulting from long-term maintenance issues, such as ongoing leaks, high humidity or poor ventilation. Some insurers offer additional mold coverage riders for an extra premium, which may provide more financial protection against mold-related claims. Review your policy carefully and understand any coverage limits or exclusions related to mold damage.

How Can I Prevent Mold Damage in My Home?

Implementing preventative measures against mold growth can save you significant hassle and expense. Here are a few ways to prevent mold damage:

• Fix leaks promptly, including those in roofs, windows and plumbing systems, to control moisture levels throughout your home.

• Install proper ventilation in bathrooms and kitchens and use dehumidifiers in basements or other damp areas.

• Conduct regular maintenance, including cleaning gutters and ensuring proper drainage around your foundation.

• Monitor humidity levels and address any water intrusion quickly.

Explore Home Insurance Solutions

Contact Sonoran Insurance LLC today to review your current policy and discuss extensive coverage for your home. Our experienced agents can tell you more about homeowners insurance benefits and offer tips on preventing damage to your home.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.