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Fire & Water - Cleanup & Restoration

Is Your Mold Damage Covered?

6/29/2020 (Permalink)

Mold growth in white wall Mold can start growing anywhere.

A pipe bursts in your home in Bountiful, UT, so you call a plumber and water restoration experts to fix the damage. Before they arrive, however, you start to notice a musty odor near the affected area and you see mold growth on a nearby wall. Mold can start to grow in as little as 24 hours after water damage has occurred. One question you probably have is whether or not your homeowner's insurance will cover the cost of the remediation. The answer depends on a couple of factors.


Covered Peril

The first thing your insurance provider may want to determine is the cause of the mold damage. Many basic policies cover the cost of mold mitigation if the issue is related to a covered peril:

  • Recent pipe break or leak
  • Overflowing toilet
  • Broken appliance
  • Roof leak


With most homeowner's coverage, there are two elements that determine whether an event constitutes a covered peril. Did it happen suddenly, and was it an accident? If those two conditions exist, it is likely that not only the initial water damage but also any related secondary damage such as mold growth will be covered by your provider. If, however, the damage occurs as a result of an ongoing problem or your negligence, you will probably have to pay for the repairs out of pocket.


Policy Additions

Some policies spell out limited coverage for mold damage explicitly. Many insurance providers offer separate mold insurance to supplement the general homeowner's policy. This coverage is called an endorsement, and there is an additional fee to add this particular protection. Your agent can advise you on the best coverage for your home and let you know what options are available to you.

Having the right insurance coverage for any potential damage that could befall your home is smart. Check to see if your homeowner's policy covers mold growth repair before a flood happens.

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