Does Homeowners Insurance Cover Mold?

Mold isn’t just unpleasant; it can also damage your home and lead to costly repairs. For homeowners in Irving, Texas, understanding how mold is treated under a typical homeowners insurance policy can help you avoid surprises if a problem arises.

When Mold Might be Covered

Mold coverage depends largely on what caused the mold to grow. If mold results from a covered peril, your homeowners policy may help with removal and repairs. For example, if a sudden burst pipe leads to water damage that results in mold, your policy could respond, especially if you took quick steps to address the water issue.

Covered perils might include events like:

• Accidental water damage from appliances or plumbing

• Sudden storm damage that allows water into the home

• Ice dams or other roof-related issues (depending on policy language)

In these cases, mold remediation may be included, subject to your deductible and any coverage limits related specifically to mold.

What’s Typically Not Covered

Mold that builds up over time due to neglect or poor maintenance is usually excluded. If it’s traced back to long-term leaks, humidity issues or a failure to repair known problems, most standard homeowners policies will not cover the cost of cleanup or reconstruction. Mold caused by flooding is also excluded under standard policies but may be addressed through a separate flood insurance policy.

It’s worth noting that some insurers offer endorsements or optional mold-specific coverage that can be added to your policy. This can expand the types of mold damage that are included and raise the maximum payout for mold-related claims.

Learn More

Mi Pueblo Supreme Insurance in Irving, Texas, can help review your homeowners insurance and explain what mold-related situations may or may not fall under your current policy. If you’re unsure where your coverage stands, a quick review can go a long way in helping you feel more confident about what to expect. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.