Does home insurance cover mold damage?
Does home insurance cover mold damage? Properties can suffer mold damage. It is a fungus that grows in damp and dark places capable of causing health problems. This mold can promote diseases such as rheumatism, asthma, respiratory allergies, or chronic headaches.
Fortunately, almost all homeowners insurance covers mold growth. Since standard policies protect against water damage, if a pipe breaks and the resulting moisture produces mold, mold is covered, as is the repair of the pipe.
The same is true if your home suffers a fire and firefighters have to put it out with pressurized water and if this water collects and causes mold on the walls, then such damage would be covered.
But keep in mind that if the mold is caused by the owner’s negligence, either because the owner has refused to fix the roof of the house when appropriate and such carelessness produces a leak, from which mold arises, in that case, the damage for mold may be excluded from the homeowner’s policy. Does home insurance cover mold damage?
If you have any questions about the coverage included in your insurance contract, call the specialists at Univista Insurance. They can inform you and advise you on how to improve your homeowners’ insurance.