Does Homeowners Insurance Cover Mold Remediation? What You Need to Know

Mold can be a serious problem for homeowners, leading to health risks and costly repairs. One of the most common questions homeowners ask is: Does my insurance cover mold remediation? The answer depends on several factors, including the source of the mold and your specific policy details. In this guide, we’ll explain how homeowners insurance applies to mold damage, what you can do to maximize your coverage, and why professional mold remediation is essential.

When Does Homeowners Insurance Cover Mold?

Most homeowners insurance policies cover mold remediation only if the mold results from a covered peril. Covered perils typically include sudden and accidental water damage, such as:

• A burst pipe

• Water damage from a firefighting effort

• Storm-related roof leaks

If mold growth is directly caused by one of these covered events, your insurance may pay for the necessary remediation and repairs. However, mold caused by long-term moisture issues, poor ventilation, or preventable leaks is usually not covered.

When Is Mold Not Covered by Insurance?

Homeowners insurance does not typically cover mold damage when it results from:

• Poor home maintenance

• Long-term humidity problems

• Flooding (unless you have a separate flood insurance policy)

• Sewer backups (unless additional coverage is purchased)

Insurance providers consider preventable mold growth to be the homeowner’s responsibility. If you notice leaks or moisture buildup, addressing them quickly can help avoid costly out-of-pocket expenses for mold removal.

How to File an Insurance Claim for Mold Remediation

If you believe your homeowners insurance covers mold remediation, follow these steps to file a successful claim:

1. Document the Damage – Take clear photos and videos of the mold-affected areas.

2. Identify the Source – Determine whether the mold was caused by a covered peril, such as a pipe burst or storm damage.

3. Contact Your Insurance Company – Report the issue immediately and ask about your policy’s coverage.

4. Schedule a Professional Inspection – Many insurance companies require professional documentation of the mold damage.

5. Mitigate Further Damage – Take temporary measures (such as fixing a leak) to prevent additional mold growth.

6. Work With a Professional Mold Remediation Service – Hiring a certified mold removal company can increase the likelihood of your claim being approved.

Reliable Statistics on Mold & Insurance Claims

• The Insurance Information Institute (III) reports that mold damage claims can cost up to $30,000 depending on the severity.

• Approximately 45% of homes in the U.S. have some level of mold contamination, according to the National Association of Home Builders (NAHB).

• Mold remediation costs range from $1,500 to $6,000 on average, with severe cases exceeding $10,000.

Why Professional Mold Remediation Matters

Handling mold removal on your own can be risky. Without the right equipment, mold spores can spread and cause further contamination. LocalRestorePro offers professional mold remediation services with:

✅ Certified experts

✅ Safe and effective mold removal techniques

✅ Assistance with insurance claims 

✅ Preventative solutions to keep mold from coming back

Get Help Today

If you’re dealing with mold and wondering whether your insurance covers remediation, don’t wait! Fill out the form below for a free consultation with our experts at LocalRestorePro today.