Does My Insurance Policy Cover Mold?

1/13/2020 (Permalink)

SERVPRO of Upper Darby has the training and expertise to remediate the mold in your home or business.

After dealing with water damage in their homes, many homeowners discover they have a mold issue.  Unfortunately, homeowner’s insurance doesn’t always cover mold growth. To get full mold coverage, you may need individual mold insurance. Here’s what every homeowner should know about mold and insurance. 

Mold Is Not Covered in Standard Policies

If you purchased a standard insurance policy for your home, chances are that your insurance won’t cover the cost for repairs needed due to mold growth. Under a standard plan mold growth is consider to be a home maintenance issue, which these policies don’t cover. However, mold caused by an insurable peril, may be covered.

Secondary Mold May Be Covered

While most home insurance policies don’t cover the cost to get rid of mold when fungus is the primary problem, you may be covered if the mold is results from a different issue. For instance, if a pipe bursts in your home and causes mold growth, your homeowner’s insurance may cover the cost of repairs. 

Flood Insurance May Provide Coverage

Surprisingly, flooding caused by rain is not covered by standard homeowner’s insurance policies. If a storm causes mold in your home and you have flood insurance, the policy will likely pay out for mold removal.

You Can Prevent Mold Growth

The best strategy may be to prevent mold altogether. While this is not always possible, here are things you can do to guard your home against the fungus: 

• Leave carpets out of the basement, bathrooms, and kitchen
• Use bleach to clean your bathrooms
• Use exhaust fans in your bathrooms and kitchen
• Clean gutters regularly

If You See Signs of Mold,
Call Us Today – (610) 352-0700

Why Choose SERVPRO of Upper Darby?

In as little as 48 hours, mold can quickly become a problem in your home or business when there’s a water intrusion, like a roof leak or leaking water line. Mold can cause health effects and can also cause significant damage to your property. SERVPRO of Upper Darby has the training, protective gear, and specialized equipment necessary to handle your mold problem.