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Fire & Water - Cleanup & Restoration

Are You Covered For Mold Damage

12/13/2019 (Permalink)

Does Your Homeowners Insurance Cover Mold Damage?

When you think of emergencies that can destroy your commercial or residential property, you probably think of fires and major storms. However, fungus growth can also cause severe harm to your Foxborough, MA, house. Unfortunately, your homeowners' insurance policy likely does not provide mold coverage.

Covered Perils

In general, homeowners' insurance covers mold damage to your home that results from a covered peril. Covered perils are accidental and sudden disasters that the homeowner cannot prevent, such as:

  • Vandalism
  • Lightning
  • Fire
  • Heavy snow, ice and sleet
  • Accidental plumbing discharge
  • Falling objects
  • Theft

However, there are many instances where your insurance will not cover the cost of mold cleanup in your home. Specifically, if your insurance provider feels you could have taken steps to avoid the fungus growth, it will not pay for the cost of repairs. If the damage resulted from a burst pipe that you ignored for weeks, an unventilated bathroom, or decades-old shingles that you failed to replace, you will have to pay for mold remediation yourself.
Homeowners' policies also typically don’t include flood insurance. That means any mold that grows following a flood isn't covered, either.

Mold Endorsement

Those who want mold insurance coverage can ask their carrier about an endorsement. An endorsement is extra coverage attached to your policy for an additional fee. However, if your home has a history of mold problems, your insurer will likely refuse to provide an endorsement or charge more for it. Your insurance provider may also cap the amount of money it will reimburse or limit its coverage to certain mold-related services.
It can be hard to tell if your insurance provider covers damage caused by fungus growth. Read your policy to see if it mentions coverage for mold claims or the possibility of mold endorsements.
If you have any questions, talk to your adjuster. A representative from your local black. If you think that you may have a mold infestation call SERVPRO of Foxborough to help.

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