Mold Coverage

Mold isn’t directly covered by homeowners insurance. However, you may be able to get reimbursed for its removal if it was caused by something that your insurance policy does cover. Your homeowners insurance policy will not cover mold if it was caused by negligence. For example, if a pipe in your basement bursts but you don’t discover it for a couple of weeks, your dilapidated roof begins to leak because it hasn’t been repaired in years or you discover mold in the shower because it hasn’t been cleaned in several weeks.