Mold damage is one of the most frustrating and costly issues a homeowner can face. It can appear quickly, spread fast, and cause serious harm to both your property and your health. But when it comes to filing an insurance claim for mold, the question I get asked most often as a Public Insurance Adjuster is: “Is this covered?”
The answer is: sometimes—but it depends on how the mold started.
When Is Mold Covered?
Most homeowners insurance policies cover mold only if it’s caused by a covered peril—something sudden and accidental. For example:
- A burst pipe that leads to water and mold damage
- Wind-driven rain entering through a damaged roof
- An overflowing air conditioner causing water to pool and grow mold
In these cases, because the original event is covered, the resulting mold may be as well.
When Is Mold NOT Covered?
Insurance will likely deny your claim if mold is caused by:
- Long-term leaks or poor maintenance
- High indoor humidity or lack of ventilation
- Flooding (unless you have separate flood insurance)
Most policies also contain mold exclusions or strict limits on how much they’ll pay for mold cleanup.
Why It’s Important to Call a Public Adjuster First
Even when mold should be covered, insurance companies may deny or underpay claims. They might blame the mold on neglect or pre-existing damage. That’s why it’s critical to have an experienced Public Adjuster on your side.
As your advocate, I’ll:
- Review your policy for mold-related coverage
- Investigate the source of the mold
- Document the damage thoroughly
- Handle communication and negotiation with the insurance company
Most importantly, I’ll work to make sure you’re not left paying out of pocket for damage that should be covered.
What Should You Do If You Find Mold?
- Take photos and videos right away
- Don’t throw anything out—keep damaged items for documentation
- Avoid cleaning it yourself—this could hurt your claim
- Call a licensed Public Adjuster to evaluate your options
Final Thought
If you’re facing mold damage or even just concerned about your coverage, don’t wait until it’s too late. Insurance policies are full of gray areas—and mold is one of the trickiest. Having the right professional in your corner can make all the difference.
Need help with a mold claim or policy review?
Contact me today for a free consultation.