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  • Alan Plott

Does your homeowners insurance cover mold?

Many people ask us this question.

People are afraid of how easily mold can grow in their homes. There are many methods to prevent mold however, what if you already have mold damage in your home? Are there insurance plans that will protect you from mold? Well, these questions lead to the big question. Does homeowners insurance cover mold? Let’s discuss.

Does Homeowners Insurance Cover Mold?

Homeowners insurance usually won't cover mold damages. But, there are instances when mold may be covered. Generally it is covered when the cause of mold is from an incident that homeowners insurance does cover. For example, if mold is growing due to accidental or sudden pipe burst or if a recent fire caused mold, then your homeowners insurance may cover the mold damages. Otherwise, if mold has grown due to improper maintenance practices, humidity exposure or an ignored continuous leak, then homeowners insurance will not cover the damages.

How To File a Homeowners Claim for Mold

The first step in filing a claim is to call your insurance company quickly and informing them of the damages. Once you speak with your insurance company and they provide you with next steps, gather the evidence. You can do this by taking several pictures of the damages. Also, take pictures any mold that becomes visible before anyone comes out and fixes the issue. Keep in mind that mold only needs 24 hours to begin to grow. It would also be a good idea to contact a mold remediation company and have them come out and dry the water before mold starts to grow. However, consult with your insurance company before making this call to be sure that they will cover the costs.

Once your insurance claim goes through and resolves all damages, keep any documentation and images. If mold later grows in that area and the growth is due to the initial incident, then your insurance company will likely have to cover the costs of going back in and fixing the problem.

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