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Does AAA home insurance cover mold?
I recently bought an old home and am updating some of the outdated features, like 70s retro wallpaper in the living room. I was tearing out the old wallpaper when I found mold behind it. Wil my AAA home insurance cover mold removal?
Talullah Blanco · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear you found mold behind the wallpaper in your new home. Mold is tricky because it can go unnoticed during a home inspection, especially when it’s hiding beneath something.
AAA
home insurance does not cover mold unless it was caused by a named peril
. Here are the instances your home insurance may cover mold removal:- Ice damming on your roof caused water damage inside your home and resulted in mold forming.
- Firefighters put a fire out in your home, but the water from the fire hoses caused mold to grow.
- The hot water heater burst in your home and the water damage led to mold developing.
However, since you just purchased your home, the mold likely developed before you owned the home or had an insurance policy. Because of this, you’d have to cover the removal out of pocket.
In the future, you may want to consider adding an endorsement to your homeowners policy to cover limited fungi, wet or dry rot, or bacteria. Mold coverage is tricky in home insurance, so adding an endorsement is the easiest way to ensure you have coverage if something happens.
If you’re looking for a new insurance company or want to expand your coverage,
Jerry
can provide you with competitive quotes in under a minute. Swapping is just as effortless. To save even more money, Jerry can help you bundle your home and auto policies for maximum savings.MORE: Does home insurance cover flooded basements?
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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