Mold can cause health hazards and it is often costly to remove. In general, your homeowner’s insurance will only cover the cost if it is the result of a peril that is covered under your current policy. For example, most policies cover damage from a burst pipe, so if this happens and there is mold as a result, your policy should cover the cost of repair. However, mold damage usually isn’t covered if it is the result of humidity or weather or a preventable situation. Mold damage due to a flood is only covered if you have purchased flood insurance.
- When flooding caused damage to the condo of Mike Zeppo, he decided to replace the floor and then to have a sump pump installed.
- The floor of the condo was rusty and moldy when the contractor for the job started digging into the floor to install the sump pump.
- The damage that the ground water caused was not filed as a claim by Zeppo because he did not have a flooding insurance.
“Mold that’s caused from a flood, and sewer and drain backup aren’t covered by your homeowners insurance policy.”