Français
Deutsch
Español
Italiano
Português
日本語
한국어
Русский
When are water damage and mold covered by insurance?
Nov 06, 2024Most homeowner and renters policies cover sudden and accidental water damage. Examples would include a burst pipe, toilet overflow, or broken washer hose. If mold develops on a damaged item, it would be covered. Policies usually won’t cover damage from gradual leaks.
Most home policies don’t cover water damage from gradual leaks or seepage, and that includes damage from mold. Mold from a flood would not be covered because home policies don’t cover floods. You would need a separate flood policy.
Most home policies don’t include mold cleanup and testing after a damaged item is removed. Your insurance company may let you add coverage for cleanup caused by a covered loss. Your agent can tell you what options are available.
Follow these tips to prevent more damage after a water leak or flood:
Follow these tips if you have a claim:
If you file a claim for mold removal, here are some tips:
Stop the water flow or leak as soon as you can.Remove pools of water and start drying the area to prevent more damage and mold growth.Move wet items to a dry room or an area with fresh air. Pull up wet carpets and rugs.If you can't remove the water and dry the area yourself, use a service. Tell your company as soon as possible.Make a list of your damaged property.Make temporary repairs to protect your house and belongings.