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Water leaking over time (e.g., from a roof or pipe) can lead to mold growth • regular roof inspections, clear gutters, trimmed tree branches, and checking for mold or rust can prevent leaks Because this mold growth isn’t a sudden event or accident, your insurer won’t cover the damage.
Does Homeowners Insurance Cover Mold?
Mold is covered by home insurance only when it’s a direct result of a covered loss unless your policy specifically excludes it • insurance does not cover leaks from earthquakes, landslides, flooding, mold, neglect, wear and tear, or faulty materials For example, if a storm damages your roof, allowing water to get inside, and mold results from that water damage, home insurance will likely cover it.
Whether your homeowners insurance policy covers mold damage largely depends on the cause of the mold
Here’s what you need to know. Will your insurance help cover this Your insurance may cover mold removal from a roof leak, but it depends on the circumstances of the roof leak While it is typical for roof leaks to be covered by your insurance policy, the leak can be deemed uncovered if it is due to negligence from lack of maintenance, or wear and tear.
Homeowners insurance doesn't usually cover mold damage or removal unless it's the result of a covered peril If the mold in your residence was caused by something sudden or accidental, such as a bursting pipe or some other covered incident on your policy, you may be protected However, if the mold has been around for weeks or longer, your policy likely won't cover the expense. If the leak started from a recent storm that caused damage to your roof and eventually mold, you might be covered
It depends on what your policy outlines for roof coverage.
Key points • homeowners insurance covers sudden and accidental roof leaks from events like storms, wind, hail, fire, or falling trees
