Does Homeowners Insurance Cover Mold?

Federal Way, WA residents are not mandated by law to carry homeowners insurance, but their lenders will usually compel them to. In addition, people whose mortgages are paid in full will often choose to purchase a policy to safeguard them against unforeseen occurrences. 

Mold Coverage

Your insurance agent can go into greater detail regarding what your specific package will and will not pay for, but in general, mold is covered, but only under certain circumstances. If, for example, your property develops growth as a stand-alone problem, you may need to take care of this situation from your own funds. 

When you have an issue for which you need to make a claim, for example, busted pipes, this can lead to water damage, creating the perfect environment for growing mold. Your insurance, in many cases, will cover the mold that results from perils like this that are listed in your homeowner’s coverage, including events that occur suddenly and those that are accidental. 

If your air conditioner malfunctions and causes a leak, that may be covered, but if your unit dripped due to a lack of maintenance, you will likely be responsible for the cost. Issues due to flooding will not be included under your standard policy, as you’ll need to purchase flood insurance separately.

In the event of a claim, resist the urge to clean, as the adjuster will need to see the true condition of the property. Make sure to keep detailed documentation so that it can be proven if need be that your issue with mold is due to a covered peril. 

Hart Insurance Faithfully Serves Federal Way WA Residents

Hart Insurance can answer any questions you may have about mold coverage and homeowners insurance. We carry a variety of indemnifications, and we look forward to working with you. Reach out to us today!