Mold removal is only covered when the source of the mold is a hazard already covered in your. Mold can be found almost everywhere and will grow indoors where there is moisture. But your insurance policy will cover you only when the mold damage is the result of a covered hazard. Not only is it difficult to remove mold, but it is also difficult to find the root cause of mold (which you should know when filing a claim).
Usually, the cost of mold removal is determined by the extent of growth, location and amount of mold. If a mold insurance claim is denied, homeowners should contact a licensed contractor who can give a second opinion on the source of the mold. If you have purchased the sewer backup add-on, your policy may extend coverage to mold resulting from sewer backup through the mitigation process, but generally, mold caused by a sewer backup is not covered. Homeowners insurance policies often include vague terms regarding mold coverage, and it can be difficult to determine if any mold damage found will be covered.
Your home insurance is unlikely to cover mold resulting from a leaking pipe, unless it can be proven that the mold was not the result of negligence in repairing the leak. Insurers in some states also offer mold insurer riders that homeowners can add to their policy to eliminate any form of mold coverage exclusion. Mold removal is only covered when the source of the mold is a hazard that is already covered in your homeowners insurance policy, such as water damage. Usually, if mold grows or damage to your home is the result of covered damage and you can provide a real link between the two, you may receive enough to cover mold removal and remediation.
Although mold is not specifically covered under most homeowners insurance policies, water damage caused by mold does. If moisture resulting from such a problem causes mold to develop, you may be able to file a claim for mold removal as well as repair of any property permanently damaged by mold, under its cover from water damage. It can also be a situation where the smell of mold occurs when you turn on the air conditioning or heating in your home, which probably means that mold is in the air conditioner or heating system. While most insurance policies offer minimal coverage for mold claims, you should still check with your homeowner's insurance provider to find out what mold remediation coverage you can access.
However, if you experience a flood in your home, there are also several steps you can take to ensure that mold doesn't grow before you can send a mold prevention team to the affected area. Whether your homeowner's insurance policy covers mold damage depends largely on the cause of the mold.