Does homeowners insurance cover mold?

Does homeowners insurance cover mold removal? In most cases, no. However, homeowners insurance may cover mold removal that results from covered events. In other cases, you will need to pay to remove mold in your home. When your homeowners insurance covers mold removal, your company may take on a fraction of the cost. You may be responsible for as much as $10-$25 per square foot.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: May 13, 2022

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The Highlights

  • Most standard homeowners insurance policies do not cover mold
  • Some policies may offer coverage for mold mitigation caused by covered events, like storms
  • Make sure you keep up with your house cleaning and maintenance to reduce mold in your home and increase the chances for a successful insurance claim

Does homeowners insurance cover mold? Does affordable homeowners insurance cover mold? Specifically, is mold removal covered by insurance? When is mold covered by home insurance? Also, if your homeowners insurance does not cover mold damage, who pays for mold remediation?

The answers to these questions depend on your homeowners insurance company. For instance, consider the events the company will cover and the level of coverage you have on your policy.

In most cases, your policy may expressly exclude mold. Otherwise, you may find a way to reduce the costs of mold mitigation through the claims process.

If you want to buy homeowners insurance that covers mold, at least 22 top companies offer special coverage. You can compare home insurance by looking at the different types of coverage that these companies have.

Read on to learn when homeowners insurance covers mold mitigation and what you can do to ensure a successful homeowners insurance mold claims process. And if you want to see rates from top home insurance companies near you, enter your ZIP code into our free quote tool above.

When will homeowners insurance cover mold?

And when is mold remediation covered by insurance?

Mold can grow for many reasons, but you may be able to cover mold mitigation if your home insurance policy includes water damage. Your homeowners insurance policy may cover a wide range of named perils, some of which lead to mold buildup.

According to the Insurance Information Institute, these covered events may include tornados, thunderstorms, pipe bursts, vandalism, and accidental discharges from fire sprinkler systems.

If a falling object damages your roof and that leads to mold development, you may have coverage. And since a fire sprinkler system discharge often counts as a covered event, you may also be able to file a claim if mold builds up in your home after actual firefighting efforts.

Does house insurance cover mold in other cases? Depending on the type of homeowners insurance policy you buy, most or all these events are named. You may consider buying an HO-3 policy, which covers 16 types of perils. Still, mold removal may have coverage on a case-by-case basis.

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Which insurance companies cover mold damage?

Most major insurance companies address mold, albeit indirectly.

Does homeowners insurance cover mold? Homeowners Insurance Coverages from Top Insurance Companies

CompanyStandard Coverages That May Address MoldAdditional Coverages That May Address Mold
AAADwellingFlood*
AllstateDwellingWater backup, flood
American FamilyWeight of ice, snow, and sleet, leaking roofs, frozen interior plumbingHome maintenance, flood, and sewer/septic backup and sump pump backup
Amica MutualDwellingCatastrophic coverages (includes flood)
Auto-Owners InsuranceDwellingHomeowners Plus, water backup of sewers or drains, and equipment breakdown
ErieStructure coverageWater Backup & Sump Overflow
EsuranceStructure coverage, weight of ice, snow, or sleetNot specified
GEICODwelling coverage, property damage (includes water damage)Flood insurance
GermaniaPerils (includes water damage)Sewer backup
The HanoverNot specifiedService line, water backup
The HartfordDwelling insurance coverage (includes plumbing and HVAC)Equipment breakdown coverage, water backup & sump overflow
KemperNot specifiedEquipment breakdown coverage, water backup
Liberty MutualDwelling and other structuresWater damage, sewer backup, drain leakage, sump pump overflow
Mercury InsuranceDwellingHome Systems Protection (includes well and sump pumps), Service Line Protection (includes water and sewer lines)
NationwideDwellingFlood, water backup
Plymouth RockDwelling (includes plumbing), water backup and sump overflowFlood, Home Systems Breakdown, Utility Service line
ProgressiveDwelling (includes water damage)Flood, water backup
SafecoDwellingEquipment breakdown coverage, extended dwelling coverage, service line
Shelter InsuranceHome and Dwelling packages (includes water systems)Drain or sewer backup, leaky plumbing, weight of ice, snow, or sleet
State FarmDwellingDrain or sewer backup, service line, home system breakdown
TravelersDwelling, weight of ice and snow, frozen internal home systems (includes plumbing)Water backup or sump pump discharge or overflow
USAADwelling, most weather-related perilsFlood
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*Note: Insurance companies usually work with the National Flood Insurance Program.

How can you file a mold insurance claim?

Filing a home insurance mold claim isn’t much different than filing any other home insurance claim. These are general steps that you may need to take during the mold insurance claims process:

  • Take pictures of and make notes about the damage that led to mold buildup.
  • Contact your insurance company and present the evidence.
  • Do what you can to dry wet areas and remove as much mold as possible with basic cleaning methods.

You must reduce mold in your home to ensure a successful homeowners insurance claims process. That’s because claims adjusters need to see that you made every reasonable effort to remove the mold before approving your claim.

Additionally, you may need to get an appraisal to know how much it will cost for repairs and removal of the mold. It usually costs $10-$25 per square foot to remove mold from your home, and you may carry most of the cost for mold remediation.

Tips for Reducing the Mold in Your Home

The Centers for Disease Control and Prevention (CDC) has a list of resources regarding mold cleanup and remediation. To reduce mold in your home, the CDC offers the following advice:

  • Use household cleaners or soap and water when cleaning your home. When using bleach, practice safety and consider using specialized mold-killing products for bathrooms.
  • Remove or replace soaked rugs, carpets, and upholstery as soon as possible. You may also consider keeping rugs away from areas that collect moisture, like bathrooms and basements.
  • Dry and clean your home within 24-48 hours after a flood, if possible.

The Environmental Protection Agency suggests that you reduce your indoor humidity to about 30%-60% to decrease mold growth in your home.

You can do this by venting areas like your bathroom and laundry room, using exhaust fans when you cook and clean, and using air conditioning and dehumidifiers.

Ultimately, you must be proactive when it comes to reducing mold in your home. Reduce humidity and clean your home regularly. Also, check things like pipes, plants, gutters, and your roof. Make sure that there is no excess moisture or leakage.

We hope this has answered your question, “Does homeowners insurance cover mold?” If you want to know a little more, read the frequently asked questions below.

Also, if you want to look at rates from some home insurance companies in your area right now, you can enter your ZIP code into our free quote tool below.

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Frequently Asked Questions: Does homeowners insurance cover mold?

Here are some answers to questions you may have about home insurance companies and mold mitigation coverage.

#1 – Does home insurance cover mold due to flooding?

Most of the time, insurance companies will not cover water damage caused by flooding. A standard homeowner insurance policy will exclude perils like floods, earthquakes, nuclear accidents, mudslides, and sinkholes.

Your only recourse may be to purchase a separate flood insurance policy, likely through the Federal Emergency Management Agency’s National Flood Insurance Program. However, as the Insurance Information Institute states, that policy is unlikely to cover any mold damage.

#2 – Is mold covered by insurance after a sewer or septic tank backup?

Septic tank backups may be part of your standard coverage.

Standard homeowners insurance policies will not cover sewer backups, but some insurers might offer sewer backup as an endorsement. However, insurance companies often exclude any mold that develops because of the sewer backup from coverage.

You might need to add a mold rider if your home insurance company offers it.

#3 – Does insurance cover mold due to a humid environment?

Your homeowners policy will likely not cover mold growth that happens in humid environments. As the CDC points out, mold is common, and you cannot completely get rid of it. However, humidity is a maintenance issue, and there are things you can do to mitigate mold growth in your home.

You can limit humidity in your home by ventilating rooms and controlling the overall temperature in your home. Again, invest in dehumidifiers, especially if you have someone in your home who has asthma or other chronic respiratory issues.

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