Does Homeowner’s Insurance Cover Mold Damage?

//Does Homeowner’s Insurance Cover Mold Damage?

Does Homeowner’s Insurance Cover Mold Damage?

If you’re permanently located in a humid, coastal region such as Florida, you’ve probably come across mold problems at least once in your life. Primarily a type of fungi, mold is produced by microscopic cells called spores, and can enter your home through doorways, vents, windows or any other outlet.

As moisture fuels mold growth, it’s almost impossible to eliminate it from damp environments. However, mold remediation is necessary to protect your family members from health problems that can arise due to prolonged exposure to the fungus. The process can be costly, but you might be able to use your homeowner’s insurance to pay for the removal.

Learn more about mold damage coverage provided by homeowner’s insurance through our blog:

When does homeowner’s insurance cover mold remediation?

Mold damage insurance claims largely depend on the source of the fungus. In simple words, your insurance company will be expected to pay for mold remediation, if the mold growth takes place as a result of an insured event.

For example, if your standard homeowner’s insurance policy protects you against water damages, you will be able to file an insurance claim for removal of mold caused by the mentioned damage. Under some policies, you will also be able to file a claim for repairs of affected property and personal belongings.

When does homeowners insurance exclude mold remediation?

If the mold growth on your property took place due to lack of maintenance and neglect from your end, your insurance company is likely to deny your mold damage insurance claim. As homeowner’s insurance does not cover floods, any mold damage caused by flooding will also be excluded.

So for instance, if you have an old leaky bathtub or kitchen sink with mold growth around it, you will not be able to file a mold damage insurance claim against it.

When can you file a mold damage claim?

Mold damage claims should be filed immediately after you spot it in your home. Inform your insurance company about the extent of damage as soon as possible. You might be tempted to dispose affected materials, but documenting the damages will help strengthen your claim. Take photographs of mold infested areas and run a dehumidifier to reduce moisture in the affected areas.

What to do if your insurance provider denies your rightful mold damage claim?

When devising a homeowner’s insurance policy, most insurance providers use vague wording to address mold coverage, which can make it difficult to determine whether the damage caused by mold will be covered by your purchased policy. However, if the mold infestation in your home is caused by a covered peril, your insurance company is legally obligated to compensate you.

Denial of a rightful mold damage claim means you can file a lawsuit against your insurance provider. If you’re looking for an insurance attorney to assist you through the litigation process, let us be your guide!

Arnesen Webb, P.A., is a property insurance dispute law firm that provides legal assistance to policyholders that have wrongfully denied, delayed or underpaid insurance claims.  Our highly experienced legal professionals work on contingency basis, which means you will only be required to make payments after the dispute has been settled.

For a free consultation, call us at (561)757-6000 or send us an email at

By |2019-01-18T11:14:03+00:00January 19th, 2019|Blog|0 Comments

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