One of the most common questions we get from homeowners here in Florida is ”I have mold should i file a insurance claim”? Not only is mold the most common issue homeowners experience, but it is also the most misunderstood. What most people don’t know is that mold removal is typically only covered when the source of the mold is a peril already covered in your homeowners policy, such as water damage.
Standard homeowners insurance policies protect you from water damage caused by sudden and accidental incidents, such as a burst pipe or an overflow resulting from a malfunctioning AC unit. If the resulting moisture from such an issue causes mold to develop, you’d be able to file a claim for mold removal, as well as for the repair of any property permanently damaged by the mold, under your water damage coverage. As a homeowner the first thing you do when you see mold is run to home depot and buy mold killer. If the mold gets worse then you may call in a mold remediation team to help get rid of it.
