Mold Coverage for Homeowners

Like many things in the media, the threat mold poses to homeowners has been somewhat overblown. While individual stories have offered more nuanced takes on the issue, the collective clamor is somewhat sensationalistic.  

The truth is most people are not affected by mold. According to the Centers for Disease Control and Prevention, certain mold-sensitive people can suffer “symptoms such as nasal stuffiness, eye irritation, wheezing, or skin irritation” upon exposure. The elderly, small children and those with weak immune systems or chronic respiratory ailments can experience more severe reactions.


That being said, mold is not something you want in your home. So, with that context offered, we can get to the real question: Is mold cleanup covered by my homeowners policy? The standard homeowners policy is designed to protect against sudden and accidental loses. Mold commonly arises from long-term issues such as ongoing water seepage, humidity problems, faulty drainage or condensation. Mold from any of these sources would be considered a “maintenance” problem and would not be covered ordinarily.


On the other hand, mold stemming from burst pipes or similar incidents may be covered, provided the mold is hidden from view. For more comprehensive mold coverage, some policies offer mold endorsements, allowing you to pay an additional premium in exchange for limited mold coverage.


If nothing else, this article should make clear that today’s insurance/mold situation is murky. Give us a call with your mold concerns, or stop by the office. We can review your policy with you and discuss the options available.

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