Does Homeowners' Insurance Cover Mold Removal?

Does Homeowners' Insurance Cover Mold Removal? Tuesday, March 24, 2020

Does Homeowners' Insurance Cover Mold Removal?

Does Homeowners' Insurance Cover Mold Removal?

If you notice a musty odor coming from your walls or note an increase in sniffles and sneezes in your family, it is possible that your home may have a problem with mold. Discovering you have mold in your home can be stressful, especially if you are uncertain about your homeowners' insurance policy covering the damage and remediation process.

Learn about the ways homeowners' insurance will help if you suffer mold damage at your central Florida property in Plant City, Winter Haven, Lakeland, and surrounding areas.


Is mold damage covered by homeowners' insurance?

Mold from water damage inside home walls in Plant City, FL.

If you've sustained mold damage, there's a chance it could be covered by your homeowners' insurance, so long as it was caused by a "covered peril," according to insurance.com. Covered perils include:

  • Fire
  • Lighting
  • Vandalism
  • Theft
  • Falling objects
  • Water spilling out from household appliances

For example, if your washing machine hose begins to leak and gets water all over the floor and that water then seeps down under the floor, causing mold damage, then that scenario would likely be covered by your insurance company.

This can be categorized as sudden and accidental damage which is typically covered by insurance.


When won't mold damage be covered by an insurance company?

Major mold and water damage in a Lakeland, FL home.

Typically, if you have left your home fall into disrepair, then mold damage incurred in these cases will generally not be covered by insurance companies. If you have pipes that burst and you do not notice it for a while, then that may not be covered. If an old roof that should have been replaced years ago loses a shingle and water leaks down into your attic and walls, causing mold buildup, that may not be covered.

Essentially, your insurance company expects you to protect the home you have invested in, and that means keeping up with the maintenance tasks involved in having a home. If you ignore the needs of your structure and water damage happens as a result, then this damage will more than likely not be covered.

Additionally, any damage sustained because of a flood is not covered by a homeowners' insurance policy. If your home incurs mold damage after floodwaters recede, you may be out of luck unless you have purchased separate flood insurance coverage. Make sure you address flood damage quickly, however, because if you ignore this damage you may find yourself in the same position as someone who did not keep up with routine home maintenance tasks.


If your home has been damaged by mold, make our company your first call. We're available 24/7 to help.

When water enters your home unexpectedly, it can lead to mold damage. If you suspect you may have mold damage in your central Florida property in areas such as Plant City, Winter Haven, Lakeland, our mold remediation professionals can help. We have successfully removed mold from many area homes and know the best minimally invasive practices to get your home restored quickly. Our teams are available to help you 24/7 and we will even work directly with your insurance company. Give us a call today at (863) 647-1800 to get your mold damage repaired!

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