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Fire & Water - Cleanup & Restoration

Understanding Mold Coverage for Renters

2/17/2020 (Permalink)

Mold growing in walls of a room where water was leaking. Mold damage in residential home in Bountiful, UT.

When you live in a house or apartment you don't own, it is advisable to purchase a good rental insurance policy. That way, if your belongings are harmed or destroyed, you can get help paying for them to be replaced. Does your policy cover mold damage, though? The answer to this question depends on a couple of factors.

Mold Coverage 


What Does a Rental Policy Cover?


Just because you are not responsible for the building itself does not mean that you don't suffer loss if someone breaks in or something damages the building. Renters insurance covers losses that result from a few different scenarios:

  • Fire Damage
  • Storm Damage
  • Theft
  • Vandalism



If your clothing, furniture or other belongings have mold patches as the result of one of these issues, most rental insurance policies will also cover the mold remediation. There are a few notable exceptions to this coverage, though.


What Does Your Rental Policy Say About Mold?


Mold can grow anywhere there is excess moisture and organic matter for it to feed on. It can start to grow as soon as 24 hours after water damage has occurred. That's not a lot of time, so a fungus infestation may be inevitable. Your policy may cover mold removal in this instance.
If you have an ongoing mold issue or you have delayed reporting the problem to your landlord, however, the damage to your belongings may not be covered. Document every instance where you had mold growth cleaned or reported it to the office. You must be able to prove that you have done everything in your power to stop the problem to reasonably expect your insurance provider to pay for repair or replacement.

Your rental insurance is designed to protect you from significant financial loss when your belongings are damaged in a disaster. Mold is covered in some instances but not in others. Review your policy with your insurance agent to understand if your provider accepts mold claims under your current coverage.

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