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Does home insurance cover black mold?
I noticed a musty smell in my bathroom, so I had it inspected. It turns out that there was black mold behind some paneling. Does home insurance cover black mold?
Sadie Lovemore · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Black mold can be extremely hazardous to your health—try to get it removed ASAP! Unfortunately, black mold isn’t typically covered in home insurance policies unless you can prove it appeared suddenly due to a
named peril
on the policy.If this is the first time that you’ve noticed the black mold damage, your odds of succeeding with your claim are greater. For instance, if a pipe recently burst behind your paneling, you should be safe to make a claim.
Home insurance companies might provide coverage for black mold in the following situations:
- The mold occurred after putting out a fire.
- Water or steam overflowed from a plumbing or HVAC system.
- Snow, ice, or sleet condensation led to mold growth.
However, mold damage claims are almost always rejected if the mold has been present for a long time. Home insurance policies do not provide coverage for preventable damage or damage caused by negligence. C
onsult with your home insurance company if you’re unsure about your coverage, as mold remediation can be costly. Even if your insurance adjuster approves your claim, your coverage amount might be limited to $10,000.
If you’re in the market for a new insurance company, use Jerry to find the best deals. With
Jerry
, you can get quotes from top insurance companies, like Nationwide, Safeco, and Travelers, in seconds! They can even help cancel your old policy once you’ve made your pick. 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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