Does Home Insurance cover Attic Mold Cleanup? What You Need to Know
Attic Mold is a common problem in houses with poor ventilation, roof leaks, and inadequate insulation. When homeowners discover attic mold, a question that comes to mind is, "Does insurance cover Attic Mold Cleanup?" The answer isn't always straightforward, but this post helps explain when home insurance covers attic mold cleanup and when it doesn't.
When Home Insurance Covers Attic Mold Cleanup
Home insurance policies cover attic mold cleanup when the source is from a covered peril. A covered peril is a specific risk or event that an insurance policy will pay for if it causes damage or loss. Some events under this coverage include:
Sudden Accidental Water Damage - If attic mold develops from burst pipes, accidental roof leaks, or firefighting efforts, your insurance may cover the cleanup and restoration.
Storm Damage - If attic mold develops from heavy rain, snow, or a fallen tree that damages your roof, your insurance may cover the damage and mold removal.
HVAC or Appliance Malfunction - if mold develops in the attic due to water damage from the HVAC system or faulty appliances, you might be eligible for coverage.
Despite all these, it's still important to check in with your insurer to determine what's included in your homeowners' insurance policy. Some perils, like floods or earthquakes, often require separate policies, while certain exclusions or limitations may apply to specific damages. So, consider speaking to your insurer today.
When Home Insurance Does Not Cover Attic Mold Cleanup
Home insurance policies do not cover attic mold cleanup when mold growth is due to negligence or long-term issues that could have been prevented. Specific cases your claims may be denied include the following:
Poor Ventilation and Maintenance Neglect - Attic Mold from long-term moisture buildup due to inadequate ventilation is often considered maintenance neglect.
Unaddressed Leaks - Failure to timely correct minor roof leaks that lead to mold growth also renders homeowners ineligible for insurance coverage.
High Humidity or Condensation - High humidity and condensation are considered preventable issues. So, insurance may not cover attic mold cleanup if it leads to mold growth.
Flood Damage - Standard home insurance policies don't cover flood damage. So, you'll need separate flood insurance to get coverage.
How Do You Improve Your Chances of Coverage?
Improving the likelihood of insurance coverage for attic mold cleanup is relatively straightforward. All you have to do is take the following steps:
Address water damage immediately
Review your insurance policy
Maintain your home
Consider mold endorsement
Work closely with a professional restoration company
Allow your restoration company to handle your claims
Do You Need a Quick and Effective Attic Mold Cleanup in Dallas, Texas?
If you need a comprehensive attic mold cleanup in the DFW area in Texas, choose Regent Restoration. We offer various restoration services and work with your insurance company to advocate your interests and restore your home. Contact us today for more information on our restoration process and get a free estimate!
