Does home insurance cover black mold removal?

I was cleaning behind my radiators and noticed some black mold between the radiator and the window. I think condensation might be causing the mold, so I’m doing what I can to prevent it in the meantime. Does home insurance cover black mold removal?

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No spam · No long forms · No fees
Find savings (100% Free)
rating white
3.5k Ratings
Answer provided by
Mercedes (Sadie) Lovemore
Answered on Feb 14, 2022
Doing what you can to mitigate the damage is a great idea! Unfortunately, home insurance does not usually cover black mold removal.
After a surge in mold damage claims 30 years ago, home insurance companies changed the wording in policies to limit mold coverage. Now, insurers will only potentially cover black mold removal if it was caused by one of the named perils in your policy.
It’s difficult to prove that sudden or accidental damage caused black mold, but it’s not unheard of. Here are some of the perils that can cause mold:
  • Fires: Extinguishing a fire with water leads to excess moisture in the area, which could lead to mold growth.
  • Freezing of household systems: Freezing temperatures often result in burst pipes. The resulting leaks could lead to mold damage.
  • Windstorms and hail: If high-speed wind or hail damages a window, your home could be exposed to additional moisture, creating a breeding ground for mold spores.
Before you make a claim, take plenty of photos of the black mold damage and avoid repairing the issue yourself. Mitigating the damage is fine as long as that means you aren’t disturbing the mold. Your insurance claim adjuster has to be able to determine the source of the black mold.
If you want to find a lower insurance rate or a new company, just use Jerry. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and helps to cancel your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings.

Here to save on car and home insurance? Great, you do that. We’ll do everything else.

Sign up in under a minute.
No need to fill out forms or shop around. Sign up in 45 seconds to start saving. Jerry does the rest.
Jerry collects and analyzes your current coverage.
Say hello to Jerry, your new insurance agent. We’ll contact your insurance company, review your current plan, then find the coverage that fits your needs and saves you money.
Get the best options before your renewal.
Jerry does all the picky, busy work by comparing prices and coverage from more than 50+ insurance companies. We compare what we find to your current policy and offer you the three best options before every renewal.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free