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What Does Home Insurance Cover When It Comes to Mold?

Can your home policy protect against mold damages?

Unfortunately, mold is a common issue that many homeowners face.  To make matters worse, mold growth can create unsafe living conditions and result in serious damage to your home. Luckily, your home insurance in Ventura, California can actually offer coverage for some mold damages.  Here’s what you need to know when it comes to home insurance and mold.

Coverage for Mold Damage

First things first, it’s important to remember that every home insurance policy is different.  To find out exactly what your policy covers, you need to review your policy and speak to your insurer.  That being said, most standard homeowners insurance policies will offer coverage for mold remediation and repair. 

Coverage Exclusions

There are some caveats to this coverage.  To start, some policies will only offer coverage for mold damage if the mold is a result of a covered peril.  For instance, if your policy protects against broken pipes, then you would have coverage for the mold growth that results from a broken and leaky pipe. 

It’s also important to note that your insurance will likely not offer coverage for the mold that develops as a result of your negligence.  Finally, your policy will not offer coverage for the mold that that was already in your home before you purchased your home insurance policy.

This is what your homeowners insurance will cover when it comes to mold in your home.  Are you interested in learning more about what your home insurance in Ventura, California will cover?  If so, then contact the experts at John E. Peakes Insurance Agency.  We are ready to assist you with all your home insurance needs today.

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