Is Mold Damage a Covered by Your Insurance?

5/3/2018 (Permalink)

Mold found after removing kitchen cabinets

Check your homeowner’s insurance policy to see what your coverage is for Mold Remediation. Some insurers may offer limited coverage for mold claims, sometimes capping the amount they will pay out for clean-up services.

Insurance can cover mold damage if it due to frozen pipes, broken supply line, and other sudden or accidental events.  They do not typically cover mold damage because of a preventative or maintenance issues such as flooding or foundation leaks.  Homeowners insurance will not cover you if there was negligence from a water damage. They expect you to be proactive and fix or clean up the water damage when it occurred. 

Check your homeowner’s insurance policy to see what your coverage is for Mold Remediation. Some insurers may offer limited coverage for mold claims, sometimes capping the amount they will pay out for clean-up services.

Mold Testing by an Mold Inspector may be necessary if the area of mold present is larger than 10 square foot.

Mold removal “average cost is just over $7,500” according to Home Advisor True Cost Guide 2018. Although there are several factors that can vary, including replacement of the materials removed and disposal of materials.

Have a Mold Problem? Call SERVPRO of Farmington & Farmington Hills Today – (248) 427-1500