Does Homeowners Insurance Cover Mold or Black Mold?

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Homeowners insurance will only cover mold or damage caused by mold if it grew as a result of a covered peril and occurred quickly. So a hurricane taking out your roof, allowing rain to come through and assist mold growth throughout your home would likely be covered.

But mold-related problems are only covered if they’re caused by sudden and accidental issues, which typically result from water damage caused by a burst pipe, improperly working air conditioner or something along those lines.

However, while a burst pipe that creates mold may be covered by your insurer, mold that comes from pipes connected to an improperly working AC unit may not share the same coverage.

Most mold-related insurance claims are denied because the growth occurred over time and wasn’t caught quickly enough. Your policy has special guidelines for mold coverage, so it’s best to consult with your agent to figure out exactly what is and isn’t covered under your policy.

Mold coverage also doesn’t have the same high-dollar limits as other parts of your policy. While repairs and removal from mold damage could set you back thousands of dollars, it’s common that homeowners insurance policies have a maximum limit of $1,000 to $10,000 for mold remediation — which is used for removal and repairs.

However, you may be able to add an endorsement to your policy in high-humidity states like Florida that covers up to $50,000 per claim. You may need an add-on to your policy, but Florida, New Jersey, New York, North Carolina and South Carolina are currently the only states required to provide up to $50,000 per mold claim.Does Homeowners Insurance Cover Mold or Black Mold?
Homeowners insurance will only cover mold or damage caused by mold if it grew as a result of a covered peril and occurred quickly. So a hurricane taking out your roof, allowing rain to come through and assist mold growth throughout your home would likely be covered.

But mold-related problems are only covered if they’re caused by sudden and accidental issues, which typically result from water damage caused by a burst pipe, improperly working air conditioner or something along those lines.

However, while a burst pipe that creates mold may be covered by your insurer, mold that comes from pipes connected to an improperly working AC unit may not share the same coverage.

Most mold-related insurance claims are denied because the growth occurred over time and wasn’t caught quickly enough. Your policy has special guidelines for mold coverage, so it’s best to consult with your agent to figure out exactly what is and isn’t covered under your policy.

Mold coverage also doesn’t have the same high-dollar limits as other parts of your policy. While repairs and removal from mold damage could set you back thousands of dollars, it’s common that homeowners insurance policies have a maximum limit of $1,000 to $10,000 for mold remediation — which is used for removal and repairs.

However, you may be able to add an endorsement to your policy in high-humidity states like Florida that covers up to $50,000 per claim. You may need an add-on to your policy, but Florida, New Jersey, New York, North Carolina and South Carolina are currently the only states required to provide up to $50,000 per mold claim.