Environmental Issue & Sick Building Syndrome Blog

Do I have Mold Insurance Coverage ?

August 8th, 2015 10:50 PM by Dan Howard

. Do I have Insurance Coverage?

                  The answer to that question is "that depends."  The first thing you should do is read your individual policy.  Some insurance companies offer fairly good coverage for mold. Many other insurance companies have limits or exclusions for mold.

                The key to obtaining mold coverage is understanding that there are policies that cover mold consequential to a covered loss. In English, that means if something like a pipe breaks and you get mold, it could be covered.  If the mold is because your basement walls leak when it rains, it's probably not covered.


                Flood damage is generally not covered unless you have "Flood Insurance. "  You may find it interesting that according to a piece of literature just received from Travelers Insurance, 25% of flood claims occur outside of flood areas. 

Posted by Dan Howard on August 8th, 2015 10:50 PM



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