Is Mold Removal Covered by Home Insurance?

Homeowner’s insurance companies in Florida cover some instances of mold removal. However, these companies are very particular about the claims they approve for mold remediation. They only provide compensation for mold damage caused by a “covered peril.” So, the answer to the question: is mold removal covered by home insurance, depends on the situation. 

United Water Restoration Group, a company that handles mold removal and mold remediation services, would like to discuss the various situations where mold may or may not be covered by your insurance. 

Home Insurance Policies and “Covered Peril”

Mold removal caused by “covered perils” is handled by home insurance policies in Florida. Covered perils are not the same for all insurance policies. You should review your insurance policy to find out what perils are covered for you.

Generally, mold removal is covered by home insurance if it was caused by:

• Lightning or fires
• Acts of malicious mischief
• Vehicle damage
• Ice, snow, or sleet
• Frozen pipes
• Accidental water discharge from appliances or sprinkler systems

Note that these are examples of covered perils. Not all insurance companies will cover all of these perils. Some insurance companies will cover additional causes of mold infestation. Your coverage depends upon the policy you agreed to take.

Mold Removal Not Covered by Home Insurance

As we mentioned, home insurance companies do not cover all mold removal services. Most insurance companies refuse to cover mold damage caused by:

• Preventable leaks
• Flooding
• High levels of humidity

Additionally, most insurance companies won’t cover damage that could have been prevented with maintenance. For example, let’s say a property owner knows they have a slow leak in a pipe under their sink. The owner does not take steps to repair the problem, leading to mold growth. In this case, the insurance company will likely refuse to cover the claim.

In the case where your insurance does not cover mold remediation or mold removal, you can take matters into your own hands. The Environmental Protection Agency has a guide that can assist you in undertaking your own mold remediation in smaller outbreaks. 

Mold Policies from Home Insurance Companies

Sometimes, mold removal is covered by home insurance companies in Florida. Some companies also offer additional “endorsements.” Endorsements allow you to purchase additional insurance to cover the risk of mold damage.

However, not all companies offer these endorsements. Additionally, insurance companies choose how much to charge for endorsements. Companies often charge more in humid areas, as mold grows more quickly in a moist environment.

Additionally, some insurance companies will refuse coverage based on the history of your property. You can face difficulties getting insurance coverage if your property had past mold infestations. Insurance companies are also less likely to cover older properties or properties with old plumbing systems.

Home Insurance Covers Some Mold Removal

Your homeowners’ insurance may cover some mold remediation services. A mold remediation technician can help you review your insurance policy to find out if you’ll receive compensation. Mold cleanup crews also focus on keeping the costs low for mold removal by:

• Working quickly to get rid of mold
• Doing the job properly the first time

Turn to United Water Restoration Group to get help if you suspect you’ve got a mold infestation at (800) 430-5838. We’ll help you find out if mold removal is covered by your home insurance. We help property owners in Ormond Beach, Florida, Jacksonville, Florida, Daytona Beach, Florida, Orlando, Florida, Tampa, Florida, Melbourne, Florida, and many other locations around Florida!