Insurance Education
Helping homebuyers and homeowners with helpful insurance education
Does Homeowners Insurance cover mold?
Understanding homeowners insurance policies can be difficult due to vague wording, so the answer isn’t always clear. In general, homeowners insurance can cover mold to an extent, depending on the cause of the mold. For most sudden and accidental incidents, mold is covered. For mold caused by neglect or lack of maintenance, it will likely be denied by an insurance company. See your insurance policy for full coverage details.
Steps to take when filing a claim
- Contact your insurance agent as soon as possible. They will send an adjuster to assess the damage.
- Open windows and run a dehumidifier or fan to prevent further mold growth
- Photograph damaged areas. Collect photos of areas prior to damage.
- Review your policy for coverage details and for additional insurance education information.
What not to do during mold contamination
- Don’t panic. If you are experiencing mold contamination, read our insurance education tips and recommended next steps.
- Don’t wait. It is important to take care of mold as soon as possible to prevent damage to your property and health.
- Because insurers are eager to exclude various mold contamination factors from coverage, it is important you never speculate, guess, suggest or agree to mold contamination factors until the investigation is complete.
How to prevent mold growth?
In addition to insurance education, BioFore wants to provide homeowners with tips to prevent mold growth.
Spills and Leaks
Act quickly when water leaks occur indoors. Mold can begin to grow within 24-48 hours of an incident.
Low Indoor Humidity
Use air conditioners and/or dehumidifiers to keep your home’s humidity between 30% and 50%
Exhaust Fans
Install exhaust fans in the kitchens and bathrooms to remove excess moisture created from everyday activities.
Windows and Walls
If you see moisture or condensation collecting on your windows or walls, quickly dry the wet surfaces.
Periodic Checks
Periodically check beneath cabinets, crawl spaces, and laundry rooms for dampness.
Increase Ventilation
Ventilation and air movement are key to mold prevention. Open doors and windows when possible.
Should I get a mold inspection before buying a home?
Yes, identifying the potential hazards before purchasing a home is extremely important. Homebuyers should get a mold inspection prior to purchase, get the seller to disclose any previous or existing mold issues with the home, and negotiate around mold issues that arise. Call BioFore to schedule a mold test today.
What are the mold disclosure laws in my state?
Depending on the state, mold disclosure can be required by law. Sellers must disclose information about present or past mold problems, given they are aware. However, some states do not require disclosure. It is important you check the mold disclosure laws in your state.
For more tips on Mold and Moisture prevention, visit the United States Environmental Protection Agency.