Home Insurance and Mold Claims: What’s Covered?

Mold in a home isn’t just unpleasant; it can be a sign of a deeper problem. Homeowners often discover mold after water damage, and many are surprised to learn their insurance coverage may not include cleanup costs.

Does My Homeowners Insurance Cover Mold?

Homeowners insurance may cover mold, but only under specific conditions. If the mold results from a covered peril—such as a burst pipe, accidental overflow or water damage following a fire—it’s usually included in your policy. In these cases, the insurer may pay for mold removal and related repairs.

However, mold caused by preventable maintenance issues or long-term neglect is not typically covered. This includes damage from ongoing leaks, humidity problems or flooding, unless you have a separate flood policy. Insurance providers often limit mold-related payouts and may exclude coverage entirely in certain policies, so reviewing your plan details is essential.

How Can I Prevent Mold Damage?

Taking proactive steps helps reduce mold growth and the risk of costly repairs. Consider the following practical tips:

• Fix leaks quickly. Address plumbing or roof leaks as soon as they occur to prevent moisture buildup.

• Use ventilation. Run exhaust fans in bathrooms, kitchens and laundry areas to reduce humidity.

• Control indoor moisture. Aim to keep indoor humidity below 60 percent using dehumidifiers, if needed.

• Clean gutters. Clear gutters and downspouts so water doesn’t back up and seep into walls or ceilings.

• Conduct inspections regularly. Check areas like basements, crawl spaces and beneath sinks for signs of dampness or mold.

Contact Us

Affordable Insurance Providers understands the insurance needs of homeowners in Bossier City, Louisiana, and nearby communities. Contact us today to explore coverage options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.