{"id":40625,"date":"2023-10-31T16:46:42","date_gmt":"2023-10-31T20:46:42","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=40625"},"modified":"2025-02-04T14:58:41","modified_gmt":"2025-02-04T19:58:41","slug":"does-home-insurance-cover-mold","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-mold","title":{"rendered":"Does home insurance cover mold"},"content":{"rendered":"\n<p>Mold is a serious issue that most homeowners never think about. Left untreated, it can affect your family\u2019s health and also damage your home. So when does <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\">home insurance<\/a> cover mold? That usually depends on what caused it in the first place.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#covered\">When your home insurance covers mold damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#not covered\">When your home insurance does not cover mold damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#if you have mold\">How do you know if you have mold <\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#prevent\">How to prevent mold<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#how to treat\">How to treat mold damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#supplemental\">Supplemental coverage options <\/a><\/span><\/li><\/div>\n\n\n\n<a id=\"covered\"><h2 style=\"margin-bottom:0px;\">When your home insurance covers mold damage <\/h2><\/a>\n\n\n\n<p>Generally speaking, a standard homeowners insurance policy will only cover mold damage or removal if it\u2019s the result of a covered peril that\u2019s listed in your policy. Sudden or accidental water damage is an example of a covered peril.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:auto!important;\"><strong>Examples of Sudden Water Damage<\/strong><ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">A water pipe bursts<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">Your water heater ruptures<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">Firefighters extinguish a fire with water<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">A tree branch punctures your roof during a rain event<\/span><\/li><\/ul><\/div>\n\n\n\n<p>The amount of mold removal coverage that you have varies by home insurance carrier. Typically, the amount ranges from $1,000 to $10,000 per occurrence. You may be able to increase the limit of your mold protection coverage by purchasing a special endorsement from your insurance carrier.<\/p>\n\n\n\n<p>Here is some more important information about mold:<\/p>\n\n\n\t\t<div data-elementor-type=\"page\" data-elementor-id=\"40609\" class=\"elementor elementor-40609\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-854ec07 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"854ec07\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b00b88b\" data-id=\"b00b88b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29019c1 elementor-widget elementor-widget-accordion\" data-id=\"29019c1\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4291\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-4291\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is mold?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4291\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-4291\"><p>Mold is a form of fungus that uses moisture to grow on household surfaces. It is usually black, slightly fuzzy and may have specks of white, orange, green or brown.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4292\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-4292\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How does mold damage a home?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4292\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-4292\"><p>Over time, mold eats away organic materials like drywall and wood, causing it to rot and fall apart. It\u2019s important to report mold damage to your home insurance carrier right away, as the longer it sits, the more it grows.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4293\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-4293\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is mold remediation?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4293\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-4293\"><p>Mold remediation is the process of removing harmful mold growth. A professional remediation team will assess the amount of mold in your home, dry out the affected areas and then remove the mold by applying a special fungicide or through other measures. Once the cleaning is done, you may need to repair certain damaged areas, such as your floor tiles.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<a id=\"not covered\"><h2 style=\"margin-bottom:0px;\">When your home insurance does not cover mold damage<\/h2><\/a>\n\n\n\n<p><a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-home-insurance-cover\">Homeowners insurance won\u2019t cover<\/a> you if the mold growth is the result of a lack of maintenance or a long-term water seepage. For example, your claim will likely be denied if the mold is caused by:<\/p>\n\n\n\n<ul style=\"margin-bottom:15px;\"><li>A long-term leaky faucet or pipe that you neglected to repair promptly<\/li><li>Improperly sealed doors or windows that lead to water leaks<\/li><li>Poor ventilation that leads to humidity buildup in your bathroom or some other mold-prone area<\/li><\/ul>\n\n\n\n<p>Additionally, homeowners insurance will not cover mold damage if the mold is caused by:<\/p>\n\n\n\n<ul style=\"margin-bottom:15px;\"><li><strong>Flood waters coming into your home<\/strong> \u2013 In some cases, a separate flood insurance policy may help cover mold damage.<\/li><li><strong>Sump pump failure<\/strong> \u2013 Depending on the claim, you may be covered for sump pump failure if you\u2019ve purchased a water backup endorsement.<\/li><\/ul>\n\n\n\n<a id=\"if you have mold\"><h2 style=\"margin-bottom:0px;\">How do you know if you have mold <\/h2><\/a>\n\n\n\n<p>Mold can grow just about anywhere in your home where water and moisture is available. Here are some signs you may have mold growth:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center;\"><strong>Visible Growth<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\">You might see mold in poorly ventilated places such as basements, beneath carpets, on tile and behind refrigerators.<br \/><br \/><br \/><\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center;\"><strong>Smells<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\">If an area of your home smells musty, it might be due to hidden mold growth. It could be behind walls, beneath flooring or inside air ducts.<\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center;\"><strong>Health Problems<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\">Exposure to mold can cause allergy symptoms such as nasal stuffiness, burning eyes, coughing and wheezing.<br \/><br \/><\/td><\/tr>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n<a id=\"prevent\"><h2 style=\"margin-bottom:0px;\">How to prevent mold <\/h2><\/a>\n\n\n\n<p>Here are some proactive measures you can take to prevent mold from growing in your home:<\/p>\n\n\n\n<ul style=\"margin-bottom:15px;\"><li>Install exhaust fans in your kitchen and bathrooms to keep them dry. Use ventilating fans and dehumidifiers in other damp areas.<\/li><li>Inspect your pipes, faucets, appliances and other water sources for openings where water can escape. Repair any leaks immediately so there\u2019s no chance of standing water.<\/li><li>Make sure your gutters and downspouts direct water away from your home. Standing water around your home\u2019s foundation could spell trouble.<\/li><li>Have your roof inspected regularly to make sure there are no potential leaks.<\/li><li>Don\u2019t install carpet in areas that are often damp or collect moisture, such as bathrooms and basements.<\/li><\/ul>\n\n\n\n<a id=\"how to treat\"><h2 style=\"margin-bottom:0px;\">How to treat mold damage <\/h2><\/a>\n\n\n\n<p>As a homeowner, it\u2019s important to address mold damage right away, because the longer it sits, the more it grows. According to the Environment Protection Agency (EPA), if the moldy area is less than about 10 square feet\u2014such as a patch of mold on a bathroom wall\u2014you can try cleaning it yourself with mold-killing cleaning products.<\/p>\n\n\n\n<p style=\"margin-bottom:0px;\">For more extensive mold damage, follow these basic steps:<\/p>\n\n\n\t\t<div data-elementor-type=\"page\" data-elementor-id=\"40605\" class=\"elementor elementor-40605\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-497c283 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"497c283\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f731367\" data-id=\"f731367\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-424f8d4 resource-slider elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-pagination-position-inside elementor-widget elementor-widget-slides\" data-id=\"424f8d4\" data-element_type=\"widget\" data-settings=\"{&quot;autoplay_speed&quot;:13000,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\" dir=\"ltr\" data-animation=\"fadeInRight\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-0f41a20 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">1.\tPrevent Spreading <\/div><div class=\"elementor-slide-description\">Dry the affected area with air conditioners, fans or humidifiers.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-eb3115f swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">2. Document Damage <\/div><div class=\"elementor-slide-description\">Document the damage with videos and photos from multiple angles.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-adc1685 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">3. Report Damage <\/div><div class=\"elementor-slide-description\">Contact your home insurance company and report the damage.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-f5f35b6 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">4. Remove Mold <\/div><div class=\"elementor-slide-description\">Hire a cleaning company that specializes in mold remediation. <\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<a id=\"supplemental\"><h2 style=\"margin-bottom:0px; margin-top:10px;\">Supplemental coverage options <\/h2><\/a>\n\n\n\n<p>Most home insurance carriers offer additional coverages\u2014or endorsements\u2014that cover mold. While these endorsements will cost homeowners extra, they provide great peace of mind. Here are two examples:<\/p>\n\n\n\n<ul style=\"margin-bottom:15px;\"><li><strong>Water backup coverage:<\/strong> This additional coverage pays for mold damage that is caused by drain backups, sewer line clogs and sump pump failures.<\/li><li><strong>Fungi, rot and bacteria coverage:<\/strong> This standard coverage pays for property damage caused by fungi, which includes mold. If you wish, you can purchase a special endorsement that increases the coverage limit amount.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Not only can mold damage your home, it can also damage your health. Home insurance coverage depends on what caused the mold.  <\/p>\n","protected":false},"author":6,"featured_media":40627,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[79,83,80,81,82,84],"class_list":["post-40625","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Home Insurance Cover Mold Damage | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"Is your home covered by mold? Treatment and repair can be expensive, and an insurance policy on mold coverage depends on the cause of the mold. Read on and learn when home insurance covers mold damages.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-mold\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does home insurance cover mold\" \/>\n<meta property=\"og:description\" content=\"Is your home covered by mold? Treatment and repair can be expensive, and an insurance policy on mold coverage depends on the cause of the mold. 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Treatment and repair can be expensive, and an insurance policy on mold coverage depends on the cause of the mold. 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