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Is Mold Covered Under My Insurance Policy?

Knowing what is covered under your homeowners insurance policy is crucial knowledge in the event of a disaster or damage. If your home falls victim to flooding, a water leak, or mold, knowing the source is extremely important for insurance purposes. When reviewing your insurance policy, you will want to double check the difference between flooding and water damage, and the after effects such as mold.

What is flood coverage? The majority of homeowner’s insurance policies do not cover floods, which are natural disasters that come from outside of your home. Flood damage may be from an overflowing river, tsunami, and even heavy rain. In this case, you would need to purchase additional coverage if you live in an area that is subject to these conditions regularly.

What is water damage? Most homeowner’s insurance policies cover water damage caused by a roof leak, busted pipe, or faulty water pump.

Is mold covered under my insurance policy? Since the result of the two aforementioned damages is typically mold, many homeowners question whether or not mold is covered on their insurance policy. Unfortunately, the answer depends on the source of the mold. If the mold is a result of flooding, which is not covered in your insurance, the answer is no. If the mold is a result of you neglecting underlying issues, the answer is no, it is not covered. If mold is an after-effect of a pipe burst, then yes it is covered.

Advocate Claims Public Adjusters always recommend that you double-check your homeowner’s insurance policy to see exactly what it covers. If you live in an older home that may have leaky pipes, or in an area that is prone to flooding, having extra coverage will help. Advocate Claims can sit down and go over your homeowner’s insurance policy so that you know when to file a claim. In the event that a pipe bursts in your home and you need to file an insurance claim, the licensed public adjusters at Advocate Claims can handle your claim from start to finish and make sure that you receive the best possible return.