Mold can come in many different forms. But in every situation it is a pain for the homeowners, it can cause extensive damage to the property and bring unwanted health risks. Does homeowners insurance cover mold? The answer is not straightforward and takes multiple factors into consideration.
Homeowners insurance will typically cover mold if it results from a covered vulnerability. For example, a burst pipe or a leaky roof caused by a major storm. In circumstances like this the policy should cover the damage and repairs caused by the mold. However, if the mold comes from neglect, poor maintenance, or long-term exposure to moisture without any attempt to fix the issue, it's unlikely to be covered. We have multiple blogs and videos explaining roof maintenance and the importance of said repairs.
It is important to review your insurance policy and understand the terms of the contract. Some policies will offer limited mold protection. Some may require more information regarding your home or even raise your premiums to gain access to mold coverage. If you have regular maintenance, prompt repairs, and address water issues immediately, you can prevent mold growth before it starts and prevent any headache that may come with it.
It is always a pain to contact your insurance company, but that's why AZ Insurance Team is here. Any questions you may have we are always available for our clients. We have been in business for over a decade and have heard any question that you may have. Please feel free to give us a call at 480-353-5709!
Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…
Disclaimer: Coverage will vary on state, insurance company, and type of policy.
<a href="https://www.freepik.com/free-photo/coronavirus-pandemic-disinfectant-protective-suit-mask-sprays-disinfectants-room_7542413.htm#fromView=search&page=1&position=3&uuid=1f7d0fe3-1946-45bf-a6ee-c9c70474e171">Image by master1305 on Freepik</a>
Comentarios