Does Your Insurance Cover Mold Damage?

With all the rain and tropical storms we experience here in Florida, mold is a common issue among homes in this area. Unfortunately, mold removal is not any easy task and should be done by a professional. Depending on the severity of the mold problem, this can be an expensive process. Does your insurance cover Florida mold remediation? Now's the time to find out!

Homeowners Insurance


Not all homeowners insurance policies are alike. Therefore, it's important that you don't just assume you're covered, only to find out your not when an issue arises. Mold is a tricky subject when it comes to insurance, but there are some instances where it could be covered. Generally, when the cause of mold is due to an incident that is covered by your homeowners policy, the mold removal will be covered as well. For example, if mold growth is the result of a burst pipe, your homeowners policy will likely cover all damages associated with that incident. However, if mold has grown due to improper maintenance practices, homeowners insurance will not likely cover those damages. Talk to your insurance today to make sure you understand what coverage you have. 

Flood Insurance 


Keep in mind that homeowners insurance does not cover flooding, which is a common cause of mold. Especially if you live in Florida or other coastal areas, where flooding is highly common, you'll want to consider investing in flood insurance. Most flood insurance policies will cover damage from mold resulting from the after-effects of a flood. However, each case is evaluated on an individual basis. If mold or mildew conditions existed prior to a flooding event, it will not be covered. After a flooding event occurs, it's the homeowners responsibility to take reasonable and appropriate mitigation actions to reduce or eliminate mold. If those actions are taken, then the mold issues will likely be covered. These actions can include responsible drying-out technique, or the application of mildicide at a reasonable cost. Again, the best thing you can do is review your policies with your insurance agent to ensure you fully understand your coverage. 

If you find yourself dealing with a mold issue, trust none other than Southwest Florida's best mold remediation company, Catalyst Mold Solutions! Give us a call at 866-343-6653. From mold testing to removal and prevention, we are your permanent solution to mold!

Catalyst Mold Solutions: Your Permanent Solution to Mold! 


Catalyst Mold Solutions
1217 Cape Coral Parkway East
Cape Coral, FL 33904
Phone: 866-343-6653

Location: Cape Coral, FL, USA

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