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Insurance Coverage

Molds can be found everywhere, and they are naturally part of the environment. They can be found when moisture and oxygen are present. Molds are fungi that are microscopic in nature, and they can be found indoors or outdoors. According the field experts, Mold breaks down and digests organic materials, which is why they are an important part of the environment.

Molds do not usually cause any problems indoors unless water has damaged your property and leads to mold contamination. Mold contamination can also be associated with some health risks like:

  • Headache
  • Skin Rashes
  • Stuffy nose
  • Allergic rhinitis
  • Red eyes
  • Asthma
  • Dizziness

The health risks associated with molds can be harmful to children and elderly people. People with an existing respiratory illness may also be at risk if exposed to molds.

When it comes to your property, molds can become a problem because they digest whatever they are growing on. As molds grow, they will destroy your property. This is where insurance comes in. Insurance that covers mold infestation is helpful in this situation. However, not all scenarios are covered by insurance. Home property insurance varies from insurer to insurer. If you want to get one, here are some basic mold contamination coverages:

 “Specified Peril”

Some insurance policies may cover mold removal if the insured can prove that the damage was caused by but not limited to floods, hailstorms, and hurricanes.  Some policies can also cover “all risks” which covers the mold contamination by default.

Water Damage

Water damage that leads to mold contamination is considered as a secondary or “ensuing” problem. In these instances, the insurance company covers the removal and remediation of molds.

Determining the cause of the mold and identifying if the cause is covered by the policy can be an issue that affects coverage. For example, if the underlying cause of molds is due to pollutants present at your home, the insurance company will not cover the removal of molds.

Plumbing System Discharge

Mold contamination due to a closed plumbing system discharge is often covered by most insurance companies. The homeowners should take reasonable steps after the accident to protect and restore their property.

For cases of burst pipe or flood, the insured must call the insurance agent immediately. The insurance agent will send a remediation team to help the insured dry the property to prevent mold growth. The first 42 hours is critical in preventing mold contamination. The insured should, at all costs, take any reasonable steps to protect their property.


For mold testing and damage assessment, call a reliable and trustworthy mold professional. They should be able to tell you the extent of the damage and give you an estimated cost of the mold removal and repair of the damage. While doing so, do not forget to document your facts. Take pictures and get certification letters from mold professionals as proof of the mold contamination.  If you think your health was at risk during the mold contamination, consult a doctor and get blood testing. This will be helpful in case you are going to claim health damages.

Post Author: Eleanor Horton

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