Does Homeowners Insurance cover mold?

Homeowners insurance can cover mold damage, but it depends on the cause of the mold. Generally, mold damage is covered if it results from a "covered peril," such as a burst pipe or an accidental water leak.  However, mold caused by long-term issues, like ongoing leaks or poor maintenance, is typically not covered.

If you live in a humid area or have a home prone to mold, you might consider adding a mold endorsement to your policy for extra protection. It's always a good idea to review your specific policy or speak with your insurance agent to understand your coverage better.

If you do find out that your policy does cover mold..How do you file a claim with your insurance against mold? 

Filing a claim for mold damage under your homeowners insurance policy involves several steps. Here's a general guide to help you through the process:

1. Review Your Policy: Check your homeowners insurance policy to understand the coverage for mold damage. Look for any specific exclusions, limits, and requirements for filing a claim.

2. Document the Damage: Take photos and videos of the mold damage. Make sure to capture all affected areas and any items that have been damaged by the mold.

3. Identify the Cause: Determine the source of the mold. Insurance typically covers mold damage if it results from a covered peril, such as a burst pipe or accidental water leak.

4. Contact Your Insurance Company: Notify your insurance company about the mold damage as soon as possible. Provide them with the documentation and details about the cause of the mold.

5. File the Claim: Follow your insurance company's instructions for filing a claim. This may involve filling out forms, providing additional documentation, and possibly meeting with an insurance adjuster.

6. Mitigate Further Damage: Take steps to prevent further mold growth and damage. This may include fixing the source of the moisture, improving ventilation, and cleaning up the affected areas.

7. Work with the Adjuster: An insurance adjuster may visit your home to assess the damage. Be prepared to provide them with all the documentation and information they need.

8. Get Estimates for Repairs: Obtain estimates from contractors for the cost of mold remediation and repairs. Your insurance company may require you to use approved contractors.

9. Follow Up: Stay in touch with your insurance company throughout the claims process. Keep records of all communications and follow up as needed to ensure your claim is processed promptly.

Remember, the specific steps and requirements may vary depending on your insurance policy and company. It's always a good idea to review your policy and speak with your insurance agent for personalized guidance.