Does my insurance cover mold damage?
By Bob Millaway, South Jersey Community Expert & REALTOR®
Standard homeowner's insurance typically does not cover mold damage caused by long-term moisture, humidity, or lack of maintenance. However, if mold results from a covered peril like a burst pipe or fire suppression, the resulting mold remediation may be covered. Many policies have specific caps on mold coverage, often $5,000 to $10,000. Some insurers offer mold endorsements for additional coverage. Promptly addressing leaks and moisture issues is your best defense since delayed repairs may be excluded as negligence.
Why It Matters
Mold remediation can cost thousands of dollars. Understanding your policy's mold coverage helps you prevent damage and avoid claim denials.
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