Does Homeowners Insurance Cover Mold?
If you've noticed mold growth in your home, you may be tempted to turn to your
homeowners insurance in Calimesa, CA to help you cover the cost of repair. However, you should know that this may not always be possible. If you're wondering
if mold is covered by your home insurance, you're not alone.
Typically, home insurance policies don't cover mold that results from a preventable water leak, flooding, or high humidity. In addition, home insurance companies generally do not pay for maintenance issues that insurer think a homeowner should have prevented. Insurers expect homeowners to proactively take care of these issues in order to prevent further damage and protect their home before they need to file an insurance claim.
The good news is that home insurance will cover eliminating mold if a covered peril was the cause of the mold. In that case, your homeowners insurance policy will likely pay for repairs and clean-up. Home insurance covered perils include:
- Fire
- Lightning
- Vandalism or malicious mischief
- Theft
- Falling objects
- Weight of ice, snow or sleet
- Frozen pipes
- Accidental discharge or overflow of water or steam from plumbing, heating, air conditioners, sprinkler systems, or household appliances
As always, read through your insurance policy and talk to your agent if you are unsure about your coverage.
Mold needs moisture to grow. Keep in mind these tips to prevent mold from getting out of hand in your home:
- Maintain lower levels of humidity by ensuring good air flow and using de-humidifiers if necessary.
- Inspect your property regularly for indications and sources of indoor moisture such as leaking pipes, showers, and toilets.
- Clean and maintain your gutters and make sure downspouts are directed away from the home's foundation.
These tips will help you to better understand your policy and prevent mold disasters in your property. Are you ready to get started on the right
homeowners insurance for your needs? Visit the team at Little & Sons Insurance Services to get started!
