Is mold covered on homeowners insurance?

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Is mold covered on homeowners insurance?

Mold damage is sometimes covered under homeowners insurance, typically when it’s caused by a «covered peril» like a sudden pipe burst. However, mold resulting from neglect or poor maintenance isn’t usually covered. Policies differ, so reading fine print and considering a mold endorsement can be helpful.

Is mold covered on homeowners insurance?

Understanding Mold Coverage on Homeowners Policy

The mold coverage on homeowners policy often depends on the cause of mold and the specifics of your policy. Many insurance policies contain exclusions for mold damage, which may apply except under certain conditions.

Definition and Scope of Mold Coverage

Mold coverage can be defined as the part of your insurance policy that offers compensation for mold remediation. This coverage, however, is not universal and depends largely on your policy’s terms and the source of the mold.

Impact of Location and Policy Terms

The extent of mold coverage can also vary depending on the location of your home and specific terms in your policy. In humid regions, mold might be a common issue and thus less likely to be fully covered.

Is Mold Covered on Homeowners Insurance?

Homeowners insurance may cover mold damage if it’s caused by a «covered peril.» Otherwise, mold may not be covered.

General Rules and Exceptions

Typically, homeowners insurance policies cover mold damage if it’s caused by an event already covered in the policy. For instance, if a pipe bursts and leads to mold growth, you may be covered.

Mold Coverage in Standard Insurance Policies

Standard insurance policies often exclude mold damage, particularly if it results from negligence or lack of home maintenance. An add-on mold endorsement could be a solution.

Insurance Claim for Black Mold

Filing an insurance claim for black mold involves proving the mold resulted from a covered peril, which can be challenging.

Process of Filing a Claim

First, document the damage with photographs. Then, contact your insurance company promptly. You might also need a professional mold assessor’s report.

How Black Mold Impacts the Claim

Black mold is viewed as a serious health risk. So, proving it resulted from a covered peril can lead to higher payouts. Yet, some policies may specifically exclude black mold.

Does Home Insurance Cover Mold Removal?

Whether home insurance cover mold removal depends on the cause of mold and specifics of your policy.

Circumstances Under Which Mold Removal is Covered

If the mold growth was caused by a covered peril such as a sudden and accidental water damage, mold removal is often covered.

Exceptions and Limitations

However, if the mold resulted from persistent leaks or poor maintenance, removal may not be covered.

Impact of Insurance on Mold Damage

Insurance plays a vital role in managing mold damage, but not all mold types or causes are covered.

Role of Insurance in Mold Remediation

Insurance can cover the costs of professional mold remediation services after a covered peril.

Insurance Coverage for Different Types of Mold

Policies may vary in their coverage of different mold types. Some might exclude more dangerous types like black mold, unless specifically added as an endorsement.


While homeowners insurance can potentially cover mold damage, coverage depends largely on the cause of the mold and the terms of your policy. It’s crucial to read your policy’s fine print and consider additional endorsements if necessary.


1. Does insurance cover mold in the basement?

Generally, insurance may cover mold in the basement if it’s caused by a covered peril like a burst pipe. If it’s due to flooding, it won’t be covered unless you have flood insurance.

2. Does renter insurance cover mold?

Renter’s insurance may cover mold damage to personal belongings if the mold resulted from a peril covered in the policy. However, damage due to neglect or lack of maintenance isn’t typically covered.

3. Does home insurance cover all types of mold?

No, not all types of mold are covered. Policies may exclude specific types like black mold unless added as an endorsement.

4. What are the limitations of mold coverage?

Limitations of mold coverage include exclusions for mold resulting from neglect, poor maintenance, or specific causes not covered in the policy.

5. Can mold coverage be added to an existing policy?

Yes, in most cases, homeowners can purchase an endorsement for mold coverage to add to their existing policy.

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