Does Homeowners Insurance Cover Water Damage?

If you experience allergic reactions such as sore eyes, sneezy, runny nose or congestion only while you are at home, there is a strong chance you have mold growing in your house.

A few tell tales signs can help you determine whether or not mold is growing:

If you smell an odor
If you smell a musty or moldy odor, do not ignore it. Even if you can’t see mold or you are not experiencing negative symptoms of mold, an irregular smell is likely a sign of mold growing.

If you see mold patches spreading
Even if the mold patches you see are small and sparse, they indicate that your home is providing an ideal environment for mold to grow in. Mold spots can be clusters of black spots, white, black, gray-brown or gray-green – keep an eye out.

If you’ve had recent water damage
One of the more unfortunate and most common causes of mold in the home is water damage. Recent water damage includes long term moisture problems, water leaks from pipes and ceilings, previous flooding in areas such as the basement,

When evaluating for water damage in the home, look for water stains and discoloration on ceilings, walls and floors, peeling or bubbling paint, damp surfaces and bulging or bowed walls. All these signs of water damage indicate a high likelihood of mold growth.

Whether you are noticing signs of mold in your house after water damage or you want to take extra precautions, it is important to remember the significant correlation of recent flooding and mold.

Does homeowners insurance cover water damage and mold?
This is a tricky question to answer. Most homeowners insurance policies cover accidental water damage, such as burst pipes. Most policies exclude natural death seventies, such as floods. So, while homeowners policies might separately cover certain types of water damage or certain types of mold, if the mold is caused by a non-insured instance of water damage, the mold and its removal are also unlikely to be covered.

Is black mold covered by homeowner insurance?
If black mold is present in your house as a byproduct of water damage, treating it will likely not be covered by your homeowners insurance policy. Homeowners insurance will, however, cover mold if caused by covered perils such as a fire, lightning, theft, vehicle damage, vandalism, falling objects, frozen pipes, weight of snow and sleet and other accidentals.

Is mold remediation covered by homeowners insurance?
Mold remediation is a way to remove mold from ductwork, attic spaced, walls and crawl spaces. The cost of remediation depends on the scope of the mold infestation. It is not usually covered by homeowner insurance policies, but you should check with your particular association before proceeding with you mold removal method of choice.

Is mold covered if I have flood insurance?
Mold treatment is unlikely to be included under coverage even if you have insurance specifically for floods.

Given the nature of mold and its harmful impact on human health, homeowners and residents are encouraged to act swiftly when spotting mold. Better yet, scheduling check-ups to ensure the home is mold-free and sufficiently set up to prohibit mold growth. Removing mold as soon as it is spotted is integral to one’s physical health and home.

Contact Mr. Mold
If you suspect you have mold or have recently faced a flood, have our experts at Mr. Mold come out for an inspection to ensure that you and your home stay safe and free of the detrimental effects of mold.