Homeowners insurance

Does Your Homeowners Insurance Cover Mold?

Most of us are grossed out by the fact that mold can grow inside of our homes, and would like to forget it exists altogether, however in the case of mold ignorance is not bliss. Any issue involving mold as the problem needs to be faced head-on. We’ve already given you tips in our previous blogs on Controlling Moisture – Reducing Mold Risk  but, if you already have a mold problem in your home, you should know what that means and if your homeowner’s insurance plan can help you recover the cost of mold remediation. 

Does your homeowner’s insurance cover mold?

The answer may shock you, NOT TYPICALLY does homeowner’s insurance cover damage caused by a mold, although there are some cases in which it may be. In an instance where the causative reason for mold is due to an incident that is covered by the insurance plan, it may be covered. Examples are a burst pipe or recent fire. If the fault is your own, however, due to lack of maintenance on your home, it’s not likely you will be covered. We urge you to read our blog  Mold, Moisture and your home for more information on dealing with and preventing mold.

What Now?

Well, if you haven’t already, pick up your phone and call your insurance company. Ask them what your specific insurance policy covers so that you are prepared, if they have mold coverage, ask them for more information. If you already have damage and want to file a claim, make sure you know exactly how that claim process works. We suggest, taking lots of pictures of the mold or progression of growth to document, your insurance will probably ask for these.

If an inspection is required due to a mold growth in your home or office building, contact a licensed mold inspector to gain a full understanding of the mold issue in your home. We understand that many homeowners don’t know what to do when they find mold, that’s why we’re the experts, and we’re here for you. HNST Mold Inspections are NYS Licensed in Inspection and have the knowledge and experience to guide you through the process with no hassle.

Contact us today either by phone or email and leave the rest in our hands!

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