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Does Homeowners Insurance Cover Mold? What You Need to Know


As a homeowner, you take pride in your property, ensuring that it remains a safe and comfortable haven for you and your loved ones. But what happens when mold rears its unsightly head? Does homeowners insurance cover mold?

Keep reading as we examine mold coverage and when homeowners insurance does and doesn't cover mold damage. We'll explore the steps it takes to file a homeowner insurance claim for mold and offer tips on preventing mold growth.

At a glance:

  • Homeowners insurance may cover mold damage if it results from a covered peril or if you've added additional mold coverage to your policy.
  • Neglect and maintenance issues, flood damage, and slow, gradual mold infestations are typically not covered by standard homeowners insurance policies.
  • Preventing mold growth through moisture control, humidity management, regular inspections, and proper insulation is your first line of defense against costly mold-related issues in your home.

The importance of mold coverage

Before we dive into the nitty-gritty on mold coverage, let's understand why it's crucial to have such protection for your home. 

Mold can be more than just an eyesore; it can pose health risks and cause substantial structural damage to your property. Mold spores can lead to allergies, respiratory issues, and other health problems, especially for those with pre-existing conditions. Moreover, mold infestations can result in expensive repairs.

When does homeowners insurance cover mold?

Mold is a lurking menace that can creep into the corners of your home, causing not only unsightly damage but also potential health hazards. The good news is that your homeowners insurance can come to the rescue—in certain situations. 

From sudden water damage to additional coverage options, we'll explore when homeowners insurance covers mold and provides you with the support you need to restore your home to its former glory.

Covered perils

In general, homeowners insurance covers mold damage when it results from a covered peril. Covered perils typically include incidents like sudden and accidental water damage. For example, if a pipe bursts and water damage leads to mold growth, your insurance will likely cover the mold removal and damage repairs (though to be absolutely certain, it’s best to review your policy and consult your insurance agent).

Additional coverage

Some insurance policies offer additional coverage options specifically for mold remediation. If you've added this extra protection to your policy, you can file a claim for mold damage, even if it isn't directly linked to a covered peril. Keep in mind that this additional coverage often comes with a separate premium.

When homeowners insurance doesn't cover mold

While homeowners insurance can be a lifesaver in many situations, there are instances when it won't cover mold damage.

Neglect and maintenance issues

If mold growth is a result of neglect or poor maintenance on your part, your insurance provider is unlikely to cover the damage. This includes scenarios where you've ignored a water leak, failed to fix a leaking roof, or neglected other maintenance tasks that could have prevented mold.

Flood damage

Standard homeowners insurance doesn't cover flood damage, including mold damage resulting from floods. To protect your home against flooding and mold in flood-prone areas, you'll need a separate flood insurance policy, often offered through the National Flood Insurance Program

You can also secure flood coverage through other service providers, so be sure to speak with your insurance agent about your flood coverage options.

Mold infestation

If mold growth is deemed to be a result of a slow and gradual infestation rather than a sudden incident, it may not be covered by your homeowners insurance. Mold infestations are often seen as a result of long-term moisture problems, which are typically considered maintenance issues.1


Preparing to file a homeowner insurance claim for mold

Discovering mold in your home can be distressing, but knowing how to navigate the insurance process can make all the difference. Keep reading to learn more about how to tackle mold-related issues efficiently.

Document damage

When mold becomes an issue, it's important to document the extent of the damage thoroughly. This documentation isn't just for your peace of mind; it's essential when filing a claim. 

Take photographs of the affected areas, noting the scale of the mold growth and any damage it has caused. Photographic evidence can serve as a powerful tool during the claims process, helping your insurance provider better understand the scope of the damage.


After reporting the incident and documenting the damage, it's time to take action to mitigate further harm. Cleaning up the affected area is essential to prevent mold from spreading and becoming a disaster.  

While cleaning up mold on your own may seem tempting, mold removal and remediation can be complex, and best left to the professionals. After all, improper handling can exacerbate the issue or even pose health risks. Before taking any action, consult with your insurance provider to determine the extent of coverage available to you. 

Best ways to prevent mold growth in your home

Prevention is always better than dealing with the consequences of mold damage. So here are some tips to help you keep mold at bay.

Control moisture

Keep an eye on moisture levels in your home. Excess moisture is mold's best friend, so it's essential to stay on top of it. Check for any leaks or water damage, and address these issues promptly. 

Good ventilation is key, especially in high-moisture areas such as bathrooms and kitchens. Make sure your home has proper ventilation to help prevent moisture from accumulating and creating an unsightly breeding ground for mold spores.

Maintain low humidity

If your home is located in a humidity-prone region, or just tends to be on the humid side, investing in a dehumidifier can be a game-changer. Mold thrives in moist environments and a dehumidifier can help maintain a healthier, drier atmosphere that is less conducive to mold development.

Regular inspections

Prevention is often the most effective way to deal with mold. Regularly inspect your home for any signs of trouble. Look out for water damage, leaks, or condensation on windows and walls. Early detection allows you to address issues before they escalate into full-blown mold infestations, saving you time and money.

Proper insulation

Proper insulation can prevent condensation from forming on your walls and ceilings. When warm, moist air comes into contact with cold surfaces, it creates the ideal conditions for mold growth. Ensuring that your home is well-insulated helps maintain consistent indoor temperatures and humidity levels, thus reducing the likelihood of condensation, and subsequently keeping mold at bay.


Ensuring home safety and longevity

Understanding the nuances of homeowners insurance coverage for mold is essential for every homeowner. Mold infestations can lead to health risks and costly structural damage, making it crucial to be aware of when insurance can come to the rescue. Being vigilant, documenting any damage, and consulting with your insurance provider can empower you to navigate mold-related issues effectively, ensuring the safety and longevity of your home.

* We provide this information to help you understand insurance. Any coverage is subject to the terms of your policy. Please refer to your policy and declaration page for complete coverage details.

1 Mark Fitzpatrick. “Does Homeowners Insurance Cover Mold?” MoneyGeek. Published 25 April 2023. Accessed 9 September 2023.

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About the Author

Alyssa Little | Senior Content Strategist

Alyssa is the Senior Content Strategist at Openly, collaborating with industry thought leaders to provide insightful and informative content in the home insurance space. With over 15 years experience in content marketing strategy, copywriting, and editing, Alyssa has refined her expertise through her work at such companies as Gartner, Nike, and Trupanion. Alyssa holds a BA in History from the University of Puget Sound and an MA in Museum Studies from Newcastle University.

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