FAQs

It might be if mold infestation is the result of a loss like a leaky roof caused by high winds or a ruptured pipe. As a general rule, homeowner insurance will reimburse for damage or injury from sudden and unforeseen events. So, if mold were simply due to water seepage due to lax home maintenance, any damage probably wouldn’t be covered. The best bet is to prevent mold wherever possible through proper ventilation, caulking cracks that might permit water seepage and performing basic maintenance like periodically inspecting plumbing fittings. For more information and safety tips about mold check out the Insurance Information Institute’s thorough coverage of the topic at http://iii.org/individuals/homei/tips/mold/