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Generally speaking, homeowners insurance covers mold damage caused by a “covered peril,” meaning something you couldn’t prevent, and there are many stipulations around what is and isn’t covered. For instance, home insurance usually doesn’t cover mold from a preventable accidental water leak, flooding, or high humidity. However, they will usually cover instances of mold damage relating incidents of

• Fire & lightning
• Vandalism or malicious damage
• Accidental discharge of water from plumbing, heating, air conditioners, sprinkler systems, or household appliances
• Frozen pipes

As you can see, some of these would be clear-cut, while others would be less obvious. In general, though, homeowners insurance generally covers situations that are unavoidable and accidental. However, insurance companies will scrutinize your situation to determine if the damage could have been avoidable. For instance, if a pipe were to burst and you didn’t address it for days or weeks, then the insurance company likely wouldn’t count it as a covered claim. In other words, if they can argue that the damage resulted in some way from your neglect as a homeowner, they won’t cover it. Additionally, most standard plans don’t cover water damage caused by flooding, meaning that mold from a flood wouldn’t be covered, either.

To learn more about mold insurance claims and policy coverage, contact Indoor Air Quality Services today.