Homeowners insurance may cover mold damage, but only if it is caused by a covered peril like a burst pipe or accidental water discharge.
If mold forms due to long-term leaks, high humidity, or homeowner neglect, it will likely not be covered under a standard policy.
Even when mold is covered, your policy may cap the amount paid for cleanup. Coverage for full remediation is not guaranteed.
Taking care of your home by fixing leaks, using dehumidifiers, and ensuring proper ventilation can reduce the risk of mold growth.
Signs like musty odors, allergy symptoms, or visible patches can indicate mold. Catching it early can prevent costly and uncovered damage.
Protect Your Home from the Unexpected. Mold damage can be costly and not always covered. Make sure your homeowners insurance includes the protection you need. Contact us today at 720.923.1500 for a free coverage review, personalized advice, and a no-obligation quote.