Does Your Homeowners Insurance Policy Cover Mold Damage?
Mold is one of those hidden home problems that can cause major headaches, not just for your house, but for your wallet, too. It often starts small, in damp or dark spaces, and can quickly spread if left untreated. The question many homeowners ask is: “Does my homeowners’ insurance cover mold?”
The answer? It depends on what caused it. Let’s break it down.
Understanding Mold and Your Homeowners Insurance
Most homeowners’ insurance policies don’t cover mold damage that develops over time due to poor maintenance, leaks, or humidity. However, mold may be covered if it’s a direct result of a covered peril; an unexpected event your policy protects against, such as:
- Water damage from a burst pipe
- Mold growth after fire suppression (water from hoses)
- Storm-related damage allowing water intrusion
If the cause of the mold is sudden and accidental, your homeowners’ policy might help pay for cleanup, repairs, and even testing, but gradual damage or long-term neglect likely won’t qualify.
When Mold Is Not Covered
Homeowners insurance won’t cover mold if it develops from:
- Long-term roof leaks or plumbing leaks
- High indoor humidity or condensation
- Poor ventilation in bathrooms or basements
- Flooding (without separate flood insurance)
In short, mold from ongoing maintenance issues or neglect is considered preventable, so it’s typically excluded from coverage.
Optional Mold Coverage
Some insurance providers offer mold endorsements or riders, add-ons that expand your protection for a small additional cost. These can help with:
- Mold removal and cleanup
- Testing and inspection
- Repairs to walls, flooring, or insulation
If your home is in a humid climate or you’ve had prior water damage, adding this coverage could be a smart choice for peace of mind.
How to Prevent Mold in Your Home
Prevention is always easier (and cheaper) than cleanup. Here are a few simple tips to protect your home:
✅ Fix leaks immediately; even small drips can cause big problems over time.
✅ Use dehumidifiers in damp areas like basements or bathrooms.
✅ Run exhaust fans during showers and cooking.
✅ Check your roof, gutters, and seals regularly.
✅ Dry out wet carpets or furniture quickly after any water event.
Final Thoughts
Mold can cause serious damage, but with the right precautions and the right insurance coverage, you can protect both your home and your finances.
At Hibbs Insurance, we’re here to help you understand exactly what your homeowners policy covers and explore options to fill any gaps.
Have questions about mold coverage or water damage protection?
Contact our team today to review your policy and make sure your home is fully protected.
