Does Homeowners Insurance Cover Mold?

​Your home insurance policy will accommodate mold under particular circumstances. Your home insurance does not guarantee mold coverage, however. Mold problems are commonly covered if caused by a specific trigger.

Flooding-related mold destruction would necessitate the purchase of a different flood insurance plan. Proper precautions can decrease the probability of dealing with a fungus issue and avoid a headache with an insurance claim.

How Much Will Mold Insurance Cover?
Mold destruction can be expensive, so the insurance industry has taken several measures to decrease its peril. One is lowering the sum they will charge for mold destruction, even though it results from a covered peril.

Mold Detection In The Home
The fungus can be detected in a home by scent, seeing it, or becoming ill from it. The sooner you detect mold, the less destruction there may be from it spreading. The more widespread the mold, the more expensive it would be to repair.

Mold could grow in the following places:

• Poorly ventilated and lit areas
• In between the bathroom tiles
• Rugs and carpets
• Behind closed doors
• Behind your refrigerator
• Kitchens and bathrooms with high humidity levels

When Does The Homeowner's Policy Cover Mold?
Mold is a fungus that lives almost anywhere in and around your home. However, some molds are dangerous, including black mold, which may also generate substances that cause severe disease.

Mold, mildew, fungus, or spores are protected by homeowners insurance if they result from a particular problem protected by your policy. Water leaks from a burst pipe, for example, can lead to mold growth.

When Is Mold Not Protected By Home Insurance?
Mold is not supplemented by home insurance when it is the result of the homeowner's negligence and in the event of flooding. Mold caused by hurricanes or ice storms may be covered by home insurance since these factors are usually considered a covered peril. If you require flood insurance, you must add it to your homeowner's insurance policy. 

Examples of mold that isn't covered

• Your bathtub has been leaking for years, causing a mold infestation.
• You reside in a humid environment and neglected to use a dehumidifier in your basement, allowing black mold to grow.
• Rain causes flooding, which leads to mold growth in your home.

Preventing Mold Growth In The Future
The best deal on mold remediation is to avoid mold growth in the first place. This step is highly relevant for house owners in humid climates, where mold growth is more likely.

Some mold-prevention strategies include:

• Dehumidifiers installed in bathrooms and basements.
• Gutter cleaning, appliance replacement, and bathroom bleaching
• Keep an eye on mold-prone areas of your home, such as crawl spaces, laundry rooms, and closets underneath the wash basin – especially for those who live in a humid climate.
• Installing leak, temperature, and humidity sensors to notify you of potential damage.

Conclusion:
Mold is a common and potentially hazardous danger to householders and their families. Molds may grow both in the new and old houses. If you already own a home and are worried about fungus, you should consider adding a mold affirmation to your home insurance.

Weather damage or unforeseen issues that endanger the structure of your home are examples of perils that your insurance company will cover for you.

At Best Insurance Group, LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (970) 674-5000. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.