Is Mold Damage Covered by Insurance?

No one wants to live with mold. Not only can it damage your home, it can be harmful to your health. Unsightly, smelly, and downright dangerous, mold conditions should be remedied as quickly as possible.

Whether your insurance will cover mold damage depends on what type of insurance you have, your policy, and how the mold damage occurred. Since repairing mold damage in Florida can be a costly endeavor, it is best to consult with an experienced insurance dispute attorney in Orlando before hiring a contractor or signing anything you receive from your insurer.

When mold damage is not covered by your insurance

Given the Sunshine state’s high humidity levels, mold is a common problem in many households. But how the mold growths began in the first place will ultimately determine if your insurance will cover the damage. Here are the scenarios where mold damage is not covered by insurance:

  • Water leak — Performing regular maintenance on your home is vital to protecting your investment. If you fail to take care of your property and water damage occurs as a result, your insurance will not cover the damage. For example, if your home develops a leaky roof and you fail to remedy the problem, you will have to pay out of pocket for any subsequent water damage, including mold growth.
  • Flooding — Your basic homeowner’s insurance will not cover flooding or mold damage that occurs. If your home sustains flood damage, it is imperative that you remedy the water damage as soon as possible. Any delay in repairing water damage after a flood will almost certainly lead to mold damage. On the other hand, if you have flood insurance, the damage will likely be covered depending on your specific policy.
  • High humidity — Humidity is a known problem in Florida. As a homeowner, it is your responsibility to deal with this issue by ensuring your home has proper insulation. Additionally, you should invest in a dehumidifier to prevent mold spores from clinging to surfaces.

If your home has suffered mold damage and you are unsure if your insurance will cover the repairs, it is in your best interests to consult with a knowledgeable insurance lawyer in Florida.

Understanding “covered perils”

Depending on your exact policy, chances are that your basic homeowners’ insurance will cover any water damage, including mold damage, caused by a “covered peril”. Covered perils are generally sudden and accidental incidents. For example, if a pipe in your upstairs bathroom suddenly bursts for no reason, the subsequent water and mold damage would be covered. Or if your AC unit malfunctioned and leaked water everywhere causing mold to grow, you would be covered.

Do not mistake “covered perils” with general “wear and tear.”As a homeowner, it is your responsibility to maintain your home and fix issues caused by day-to-day living.

Contact Dedicated Florida Insurance Dispute Lawyers

Johnson & Williams, P.A. provides experienced counsel to homeowners throughout Greater Orlando, Winter Haven and Kissimmee, Florida. If you require skilled guidance with an insurance matter, call us today at (407) 245-1268, or contact us online to set up a consultation.