DOES MOST HOMEOWNERS INSURANCE COVER BLACK MOLD INSIDE THE HOME

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 26, 2013

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Insurance Question from Athol, MA

Asked on 08/26/2013

DOES MOST HOMEOWNERS INSURANCE COVER BLACK MOLD INSIDE THE HOME NULL

Answer given on October 08, 2013

Most homeowner policies do not cover a mold claim inside of your home. Sometimes mold occurs inside of a home with no other damage to the home. Almost every insurance policy has a specific exclusion for mold damage unless it is part of another loss.The homeowner policy covers your home for sudden and accidental damage. This would include fire, windstorm, hail, vandalism and many more. If you have had a water damage claim that the insurance company has accepted as a covered loss, then an ensuing damage of mold would most likely be part of that covered loss. You will need to talk to the adjuster handling the water damage claim and advise there is now mold occurring inside of your home. They should be willing to investigate this part of the claim.Many insurance companies have a specific limit as to how much they will pay for mold damage and remediation, even if it is a part of a water damage claim. If your policy has this limit, the adjuster should point this out to you. If they do not, ask them.


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