Mold and Homeowner's Insurance: What to Know

1. Moisture:
   Leaking roofs, pipes, or windows, as well as high humidity levels, create ideal conditions for mold growth.
2. Poor ventilation:
   Inadequate air circulation can trap moisture indoors, promoting mold formation.
3. Flooding:
   Water damage from floods or heavy rain can trigger mold infestations if not addressed promptly.
4. Neglect:
   Failing to address water leaks or dampness in basements and crawl spaces can invite mold.

1. Type of Mold:
   Most policies cover sudden and accidental mold damage resulting from a covered peril, such as a burst pipe. However, coverage for mold due to negligence or long-term moisture issues may be limited.
2. Water Damage:
   Policies usually cover mold damage that results from covered water damage. If the water damage is excluded from your policy, mold damage resulting from it may also not be covered.
3. Limits and Deductibles:
   There may be limits on the amount of coverage for mold damage, and a deductible may apply.
4. Exclusions:
   Some policies have specific exclusions related to mold. It's essential to review your policy carefully to understand what's covered and what's not.
5. Maintenance and Prevention:
   Insurance companies may deny claims related to mold if they determine that the homeowner neglected proper maintenance and preventive measures.

1. Fix Water Leaks:
   Promptly repair any leaks or water damage in your home, including roofs, plumbing, and appliances.
2. Maintain Proper Ventilation:
   Ensure good air circulation throughout your home, especially in areas prone to moisture buildup.
3. Control Humidity:
   Use dehumidifiers in damp areas like basements and bathrooms to keep humidity levels in check.
4. Regular Inspections:
   Conduct regular inspections to identify and address potential moisture problems.
5. Mold-Resistant Materials:
   Consider using mold-resistant building materials and paints in susceptible areas.