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Does homeowners insurance cover mold?

A home is a big investment - and mold, mildew and water can cause expensive damage. Understanding what events are covered by your homeowners insurance policy, and knowing the steps you can take to help prevent or limit damage, can help you protect that investment now and in the future.
September 25, 2024
1 min and 50 sec watch
Family discussing if homeowners insurance covers mold.
00:07:00 – 00:09:02
A home is a big investment

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and mold, mildew and water can cause expensive damage.

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Understanding what events are covered by your homeowners insurance policy,

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and knowing the steps you can take to help prevent or limit damage,

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can help you protect that investment now and in the future.

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Most homeowners insurance policies cover sudden water damage,

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like burst pipes or roof leaks. If this happens,

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be sure to let your insurance company know right away,

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so they can help you submit a claim.

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However, policies typically don't cover mold caused by gradual leaks or neglect.

00:43:25 - 00:48:06
That's why it's so important to be proactive

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when it comes to preventing mold, mildew and water damage.

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For example, be sure to fix leaks as soon as you spot them,

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use dehumidifiers, and maintain good ventilation throughout your home to prevent mold.

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If water damage does occur, you can help prevent further issues by:

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Stopping the water flow or leak as soon as possible.

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Removing any pools of water.

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Drying the area with a dehumidifier.

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And pulling up wet carpets and rugs.

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Other causes of water damage include flooding and backup

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from an outside source of water, like a sewer.

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Flood and water backup are separate policies,

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so it's important to explore all your options

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and make sure you have the coverage you need.

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Although accidents happen, proactive prevention,

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as well as the right coverage, can help you protect your home and everyone in it.

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Need more information on homeowners insurance?

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