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Is Mold Damage Covered by Insurance?

mold on wall

Mold has long been a sore in the backs of homeowners and a troublesome problem in many households. It isn’t considered a life-threatening matter—but severe mold infestations in the home can lead to eye, nose, throat, and lung irritation, as well as severe damage to your plumbing system!

It’s recommended to call for mold abatement services near you as soon as you discover it growing in your home—but this isn’t as easy as it sounds. Although a mold infestation must be dealt with immediately, the costs of getting rid of it will come to mind, which could hamper the process.

On Mold and Insurance 

Home maintenance and repairs can be expensive, so it’s normal to worry about it before going through any house service. You may think that your home insurance was made for this reason exactly, but this is not always the case. While house insurance does cover losses and damages, whether it includes mold abatement services is another matter.

Does My Homeowner Insurance Cover Mold Infestations?

Home insurance varies by the policy you’re paying for, but most insurance policies only cover mold damage if they result from a problem covered by your insurance. These problems are called “covered peril,” which refers to an event or type of damage the insurance company agrees to pay for. 

Some of the most common perils covered by homeowners insurance include:

  • Theft
  • Fire and smoke
  • Lightning strikes
  • Windstorms
  • Explosion
  • Vandalism
  • Water damage
  • Falling objects

If the growing mold in your house was caused by any of the covered perils listed above, your insurance company will pay for the mold removal. For example, when your busted pipes released water that caused mold to grow on the walls, the company will cover the removal costs—but they may not guarantee the water damage restoration services too.

How Much Will My Insurance Cover For Mold Damage?

Your insurance policy may pay for the mold repair and removal, but that’s as far as they can go. The cost of mold damage can range between $15,000 and $30,000, but a standard homeowners insurance will limit the repair and removal coverage to $10,000. You can add mold damage as an optional rider, so you can purchase broader mold coverage above this amount, but this will be more expensive in mold-prone states!

How to Make a Successful Mold Insurance Claim

If you find mold caused by water or flood damage, follow the steps below to file a claim:

  • Contact your insurance company immediately. An adjuster will visit your house to assess the damage’s cost and determine whether it is related to a covered peril.
  • Take photos of the damaged area. Document your loss as thoroughly as you can, but don’t exaggerate. You can also collect any pictures prior to the water damage.
  • Remove all of the water as much as possible. Run the dehumidifier, use fans, and open your windows and doors to dry out the area completely.
  • Review your policy. Read the “declarations page” of your insurance policy to learn about the policy limits for each coverage, as well as the effective dates.


When you find mold in your home, don’t panic! Make sure to take the correct steps so that your insurance company will pay for the needed mold repair and removal. Look for the best restoration company that can offer you excellent service at an affordable price so that you won’t incur any losses.

Are you looking for mold abatement in Utah? AAA Restoration has your back! We are committed to helping our customers get their lives back to normal as quickly and efficiently as possible. We want you to be confident in the quality of our services and trust our expertise. Contact us to learn more about how we can help!