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Understanding Homeowner’s Insurance & Mold Damage Coverage

Mold is a serious problem for any homeowner; it can cause health problems and allergic reactions in residents, cause structural damage to your home, and lower the value of your property. It can also be difficult to discover, verify, and eradicate. 

How do mold issues begin? 

All mold issues begin with water damage issues. Mold needs water to grow. Mold may grow in a bathroom with a broken ventilation unit, in a basement with a leaky pipe, or behind a wall that is affected by improper drainage issues. Mold can grow on a large number of surfaces, including drywall and insulation. 

Does my insurance policy cover my mold issues? 

Whether your insurance company covers your mold issue depends on a number of factors. To be sure if your mold damage is covered, read your insurance policy closely, and contact your insurance company with any specific questions. However, here are a few general guidelines that pertain to most homeowner’s insurance policies: 

  • Mold damage caused by maintenance issues is usually not covered by a basic insurance plan. If your mold damage was due to a slow leak, humidity issues, landscaping problems, or drainage problems, you may need to cover the cost of repairs yourself. 
  • Mold damage caused by flooding is usually not covered by a basic insurance plan. In most cases, some instances of water damage are covered, but flood insurance must be purchased separately. 
  • Mold damage often comes in the days and weeks after water damage. Making water-damage repairs as soon as possible after discovery can prevent mold problems from appearing in the first place. 

How can I prevent mold damage? 

To keep mold away, keep moisture away. Make sure that you maintain your plumbing, your ventilation, your gutters, and your roof. Inspect your home for signs of mold and water damage, with the understanding that both types of damage can be hidden behind walls. Don’t place carpets in areas with high moisture levels, such as bathrooms, laundry rooms, and kitchens. 

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The Voss Law Firm, P.C. represents clients on a local, national and international basis. We proudly serve companies and individuals along the Gulf Coast and around the globe on a contingency fee basis. Our law firm collects nothing unless we recover on our client's behalf.

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