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Does home insurance cover mold damage?
I found some mold in my basement and I’m hiring a professional to remove it. I have a home insurance policy, but I’m not sure if this is covered. Does home insurance cover mold damage?
Sadie Lovemore · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear you’re dealing with mold! Home insurance almost always does not cover mold damage, but there are some possible exceptions.
Mold is something the home insurance industry likes to avoid because it’s so expensive to deal with. If you can prove that the
mold was the result of a sudden, accidental event
covered in your policy, like water damage from a burst pipe, you might qualify for coverage. However, most mold damage happens gradually, meaning that insurance companies can classify it as preventable. They reason that you should have been able to catch the mold growth before it caused extensive damage and leave you to cover the cost of repairs alone.
Even so, it’s worth calling your home insurance provider to find out if there are any exceptions allowing for mold damage coverage.
Home insurance will never cover mold damage resulting from the following situations:
- Normal wear and tear or negligence
- Long-term leaks that weren’t fixed
- Moisture or water from construction
- Improper repairs
Mold claims are readily denied. If you believe that you’re entitled to coverage, be prepared to be firm with your home insurance company. If you need advice, call a mold remediation professional for help. They often deal with insurance companies and might have some tips for your particular scenario.
If you’re on the market for a new home insurance policy,
Jerry
can help you find a new company. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and can even help to cancel your old policy. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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