Mold damage can be quite damaging to both your home and the health of your family. If this unfortunate circumstance has happened to you or your family, you may be wondering- does homeowners insurance cover mold? While homeowners insurance covers mold damage if the  mold was due to”covered peril,” if it was not then the insurance company will probably not cover mold damage. However, there are certain exceptions- which is what we will be talking about. Read on to learn more about the circumstances in which your homeowners insurance may cover mold damage, and when it won’t. In such cases, you may want to hire a public adjuster to make sure that you get the compensation you deserve. Mutual Claims Services is a top public adjuster Miami residents trust. Call us today for a consultation regarding your insurance claim!


Mold Damage and Homeowners Insurance


Mold that resulted from a preventable water leak, flooding, or high humidity is not generally covered by home insurance policies. Moreover, for maintenance issues that insurers think a homeowner should have kept in check, home insurance firms also won’t shell out. Homeowners are expected by insurers to proactively take care of major problems before they snowball into something they need to file a claim for. However, mold is covered by home insurance if a “covered peril” by the firm is the cause of the mold. In such cases, your home insurance policy will probably pay for repairs and clean-up. Covered perils by home insurance typically include fire, lightning, vandalism, vehicular damage, theft, falling objects, weight of ice, snow, or sleet, accidental discharge or overflow of water or steam from household appliances and systems, and frozen pipes. For example, home insurance will probably cover your mold problem if an ice dam forms during a rough winter in your roof utter, and water backs up under the shingles and leaks into your attic without your knowledge, soaks your attic floor and insulation, and creates mold. Another example is if a pipe bursts in your home randomly and before you are able to take action, mold seeps in.


Does Homeowners Insurance Cover Mold?


There are cases where home insurance will probably not cover. If, for example, your pipes freeze and burst and you don’t notice or don’t go and call right away, and mold happens, or if mold forms in your shower and you don’t notice until it’s a major issue and your family gets a bit sick. Mutual Claims Services, a public adjuster Miami residents trust, note that insurance companies expect you to be proactive when it comes to home maintenance, which means that the insurer will probably not cover the damage if you don’t take care of your house and stay on top of your maintenance. Moreover, most homeowners policies don’t cover water damage caused by a flood, so you may want to purchase a separate flood policy in order to cover water damage and ensuing mold.


Contact Us Today


When it comes to the question: Does homeowners insurance cover mold, the answer is sometimes. If you are filing a property damage claim, contact Mutual Claims Services, a public adjuster Miami trusts, for a consultation!