Discovering mold in your home can be both frustrating and alarming. At The Mitchell Agency LLC in Alabama, we understand that dealing with mold isn’t just a nuisance, but it can also pose significant health risks and financial burdens. But when it comes to home insurance, is mold damage covered?
The Cause is Crucial
Whether your home insurance covers mold largely depends on how it originated. If the mold results from a sudden and accidental issue, like a burst pipe or an overflowing appliance, it’s likely to be covered under a standard homeowners policy. Insurance typically covers situations that are unexpected and unpreventable.
What Isn’t Covered?
Regrettably, mold that forms due to long-term issues, such as poor ventilation, high humidity, or leaks that weren’t promptly addressed, is usually not covered. Insurance companies consider these situations preventable through regular maintenance. In other words, if mold is caused by neglect, your policy probably won’t cover it.
Act Promptly
If you do find mold in your home, it’s important to act quickly. Document the damage, stop the source of moisture if possible, and contact your insurance provider. Even if the mold itself isn’t covered, related damage might be.
We’re Here to Help You Stay Protected
At The Mitchell Agency LLC, we’re here to help Alabama homeowners understand what their policy covers and how to stay protected before problems occur. If you have questions about mold coverage or want to review your current policy, give us a call today. We’re happy to help you breathe a little easier.
