Your home insurance is designed to help cover the costs when your household is struck by a fire or other disaster. However, some homeowners may be unsure of whether insurance will apply when they experience a mold outbreak. As it turns out, whether or not insurance will cover the damages largely depends on the situation.
When Will Insurance Cover Mold Damage?
Because mold damage is typically the result of water damage, mold removal will be covered when you experience water-related issues that are covered under your policy. This could include incidents like a burst pipe or a ruptured water heater. This could even cover mold that grows as a result of firefighters extinguishing a house fire. When mold growth can be directly attributed to such incidents, insurance should cover it.
Incidents When Insurance Will Not Cover Damages
If mold is the result of your own neglect, your insurance will not provide coverage. For example, if mold growth occurs because of a leaking faucet that you never fixed, or because you didn’t use a dehumidifier in your basement, you are held responsible. Most policies will not cover mold growth related to flood damage, since flood insurance is not included in standard home policies. If you purchased additional flood coverage, however, it will be covered.
If your home has experienced mold damage, it is important that you address it in a timely manner, regardless of whether insurance will cover it. With 24/7 availability and over 40 years of industry experience, you can trust Shrock Restoration to help you recover from mold and other damages.
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234 W Main St
Loudonville, Ohio 44842
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