Does Home Insurance Cover Mold After Water Damage?
In most cases, homeowners insurance may cover mold due to water damage, but there may be cases mold removal is not covered under your policy. For instance, if you require water damage restoration due to a burst pipe or accidental overflow, your insurance may also include mold remediation if needed. But if the mold is caused by neglect or long-term problems, like poor upkeep or a slow leak, it's usually not covered. This is particularly applicable when water damage on ceilings occurs, which can quickly result in mold if not treated immediately, leading to an uncovered claim.
Understanding Mold Coverage in Insurance Policies
Most homeowners insurance policies don't include mold coverage. Some insurance companies offer limited mold coverage or optional mold riders covering mold damage. Review policy documents and ask your insurance company to describe if mold due to water damage is covered, and under what conditions. Quick attention and documentation will help any claim.
Preventive Action Is Crucial
The best way of avoiding claim denial is by acting quickly every time there is water damage. Mold can develop 24 - 48 hours after it has been exposed to water. Having immediate professional water damage restoration and mold inspection will not only save your home but can also serve as evidence in case you file an insurance claim.
Get Expert Help Today
If you’re facing mold concerns after water damage, don’t wait. Reach out to Canada's Restoration Services, our certified team can assess the damage, work with your insurer, and fully restore your home with expert care.
