Mold removal is only covered when the source of the mold is a hazard already covered in your. Generally, homeowners insurance does not cover mold damage or removal unless it is the result of a covered hazard. If the mold in your home was caused by something sudden or accidental, such as a broken pipe or some other incident covered by your policy, you can be protected. However, if mold has been around for weeks or longer, your policy may not cover the expense.
Usually, if mold grows or damage to your home is the result of covered damage and you can provide a real link between the two, you may receive enough to cover mold removal and remediation. Now, most states allow home insurance companies to exclude mold from coverage, except when the mold was the result of an issue covered by the policy. It can also be a situation where the smell of mold occurs when you turn on the air conditioning or heating in your home, which probably means that mold is in the air conditioner or heating system. While most insurance policies offer minimal coverage for mold claims, you should still check with your homeowner's insurance provider to find out what mold remediation coverage you can access.
Mold remediation and removal will not be covered by your homeowners insurance unless the mold is the result of a covered hazard, and coverage is often limited. However, if you experience a flood in your home, there are also several steps you can take to ensure that mold doesn't grow before you can send a mold prevention team to the affected area. Homeowners insurance policies often include vague terms regarding mold coverage, and it can be difficult to determine if any mold damage found will be covered. Your home insurance is unlikely to cover mold resulting from a leaking pipe, unless it can be proven that the mold was not the result of negligence in repairing the leak.
Mold can have a soft, diffuse texture, and if the pattern is more uniform, it could be what is called a mold colony. While mold isn't specifically covered under most homeowners insurance policies, water damage caused by mold does. Generally, the cost of mold removal is determined by the extent of growth, location, and amount of mold. The best way to save money when it comes to mold remediation is to prevent mold from growing in the first place.
If moisture resulting from such a problem causes mold to develop, you may file a claim for mold removal, as well as repair of any property permanently damaged by mold, under your water damage coverage. Whether your homeowner's insurance policy covers mold damage depends largely on the cause of the mold. Policies generally exclude coverage for mold damage, except when the mold is the result of a covered claim, such as water damage.
