Does Homeowners Insurance Cover Mold Remediation?
- Kate Awtrey
- Mar 12
- 2 min read
Mold is your worst nightmare as a homeowner. It spreads super fast, severely damages property, destroys air quality and causes serious health issues. If you discover mold in your home, you may ask yourself, "Will my homeowners insurance cover mold remediation?" Understanding your insurance policy will help you avoid some very costly surprises. Let's break it down.
When Does Homeowners Insurance Cover Mold Remediation?
Most homeowners insurance policies cover mold damage if it’s caused by a sudden accident also known as "covered peril"—Some commonly covered perils are:
Sudden and Accidental Water Damage – If mold results from a busted pipe, water heater failure, or a sudden appliance leak, your insurance may help cover the cleanup.
Storm-Related Water Damage – If a roof leak caused by a thunder storm leads to mold growth, your policy might cover the cost of remediation.
When is Mold NOT Covered by Insurance?
Insurance companies often deny claims for mold if they believe it was caused by negligence. It's your responsibility to keep you home properly maintained and if an issue stems from poor home maintenance, your policy likely won’t cover mold if:
It resulted from long-term leaks that weren’t fixed.
There’s high humidity or condensation buildup with no sudden cause.
It developed from flooding (unless you have separate flood insurance).
How to Improve Your Chances of Insurance Coverage
To increase your chances of getting coverage for mold remediation:
Address leaks and water damage immediately. Do not wait. Insurance companies expect homeowners to act fast when an issues arises.
Document everything. Take photos of the damage and keep records of any repairs or maintenance.
Review your policy. Some insurance companies offer additional mold coverage riders for an extra cost. If you live in a humid area, it may be worth adding this to your policy. Unfortunately since Georgia is very humid, insurance carriers are excluding mold from policies in this state so make sure you take a hard look and check with your agent.
Call your local insurance agent to go over your policy and make sure you're covered.
First In Restoration: Georgia’s Mold Removal Experts
If you’re dealing with mold, you don’t want a quick DIY fix—you need true professionals who know how to use moisture meters and perform air quality tests, that will find the source, remove the mold properly and make sure it doesn’t come back. At First In Restoration, Georgia’s #1 water damage restoration company, we work with homeowners across Georgia including: Loganville, Johns Creek, Gwinnett County, Walton County, Barrow County, Hall County, Jackson County, and Clarke County to provide expert mold remediation services. Don’t wait—mold spreads fast!
Call First In Restoration at 470-748-0225 or visit www.firstinrestoration.com today.
