Does Homeowners Insurance Cover Mold?

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Mold and mildew (Photo: @arrivipartenzeit via Twenty20)
Brady Klopfer · Writer · Sep 28, 2020
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    Nobody likes mold. It’s bad enough if it’s on your food, but it’s really bad when it’s on your valuable objects, especially your home. It’s important to protect your home from as many detrimental factors as possible, and mold is one of them.
    Mold can be a pain for a homeowner (or even a renter), so the most important step towards getting rid of mold is to prevent it all together. Take as many steps as possible to keep your home from developing a mold problem. Sometimes, however, you can’t keep your home from having mold. And when that happens, you’ll need mold remediation.
    Many problems with a home can be covered, or at least partially covered, with your homeowners insurance. But is mold remediation covered by homeowners insurance? Read on to find out.

    What is mold remediation?

    Mold remediation is really just the technical term for “mold removal,” and one that covers the process a little more accurately. A small amount of mold spores exist almost everywhere, so you can’t actually remove mold from your home. You can, however, remediate it, which removes excess mold until you’re down to the normal levels that you can’t see or sense, but still exist. So for all intents and purposes, mold remediation is mold removal.

    Is mold remediation covered by homeowners insurance?

    It can be confusing to read your homeowners insurance policy and try to figure out if mold is covered. Descriptions are often vague, and you’ll usually see mold referenced.
    So let’s simplify it. In and of itself, mold remediation is not covered by homeowners insurance. But if your home develops mold as a result of something that is covered by your homeowners insurance plan, then remediation will be covered.
    In other words, mold is not covered by homeowners insurance if it’s the problem. But if it’s the symptom, as a result of a problem that is covered, then your homeowners insurance will cover mold remediation costs.
    If that’s still confusing, think of it as similar to personal property in your home. If you lose a piece of jewelry, or break a piece of jewelry, no homeowners insurance will cover that. But if your home is broken into, and that results in stolen jewelry, then you may be reimbursed.

    Examples of when homeowners insurance covers mold remediation

    Many things could cause mold remediation to be covered under your homeowners insurance plan. If, for instance, there’s a fire in your home, and water damage from the firefighters (or moisture from the fire extinguishers) causes mold, then remediation would likely be covered.
    If you have an issue with your dishwasher or water heater that causes a water leakage, which leads to mold, then homeowners insurance would cover mold remediation.
    Any bad event that is covered by your homeowners insurance policy, and eventually leads to mold in your home, should allow for mold remediation coverage, since the mold is a symptom of the event that’s being covered.

    Examples of when homeowners insurance does not cover mold remediation

    Anything not covered by your policy that causes mold won’t be covered. Mold that springs up as a result of flooding will not be covered by your homeowners insurance, unless you have flood protection. Mold in your bathroom from steam generated by your shower won’t be covered.
    Mold that is a result of spilling things, not cleaning properly, or a leaky roof is not going to be covered through your homeowners insurance plan.
    This all might sound confusing, but don’t worry, it’s straightforward. If your homeowners insurance policy covers the cause of the mold, then it should cover mold remediation as well.
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