Does Homeowners Insurance Cover Mold Damage? | Grun Law

Mold damage is one of the most common—and costly—problems homeowners face. It can threaten your health, lower your property value, and result in extensive repair costs. A common question we hear at Grun Law is: Does homeowners’ insurance cover mold damage? The answer depends on your policy and the source of the mold.

When Is Mold Covered by Insurance?

In general, mold is covered only when it results from a covered peril—such as a burst pipe, accidental overflow, or storm damage. If your policy includes water damage coverage and mold growth is a direct result, your insurer may pay for mold remediation.

For example:

• A pipe bursts and floods your basement, leading to mold—this may be covered.
• A roof leak caused by storm damage leads to mold—this may also be covered.

When Is Mold Not Covered?

• Insurance usually does not cover mold that results from
• Ongoing leaks due to poor maintenance
• High humidity or condensation over time
• Long-term water seepage or drainage issues

If your insurer believes the mold was preventable or due to negligence, your claim may be denied.

Why You Need Legal Help

Insurance companies often reject mold claims or severely underpay them. They may argue the damage falls under policy exclusions or that the mold is from a pre-existing issue. At Grun Law, we help homeowners challenge unfair denials and fight for the full benefits they’re entitled to under their policies.

What to Do If You Discover Mold

• Document the damage with photos and notes.
• Locate the source and stop further water intrusion if possible.
• File your claim promptly.
• Contact an attorney if your claim is denied or delayed.

Don’t let mold destroy your home—and your finances. If you’re dealing with a mold damage insurance dispute, Grun Law is here to help.

Visit Grun Law today or call us for a free consultation. Let our experienced attorneys guide you through your homeowner’s insurance claim and protect your rights.