Living in high relative humidity climates like we have in Georgia and South Carolina increases the possibility of mold developing in our homes.
Anytime thick, humid air interacts with surfaces that are cooler than the air around them, condensation occurs. That makes a great environment for mold spores to attach to and grow.
Those conditions are more prone to show up in bathrooms, kitchens, basements - where condensation and water are likely to be present.
So the question I get is: does homeowners insurance cover mold?
Usually mold in addition to mildew, fungus and spores will be covered by homeowners insurance if they result from what's called a "covered peril."
Examples of covered perils include when there is a sudden or accidental water damage event that results in mold damage as when a water pipe bursts, a toilet overflows, or an appliance malfunctions. In these examples, the mold is hidden behind walls, under floors, or above ceilings, and isn't able to be easily detected.
The dollar amount of coverage for mold remediation usually has a cap and varies by the insurer and specific policy.
When is mold NOT covered by homeowners insurance?
Mold isn't covered when:
Have questions about mold coverage? Contact me at 706-726-1446 for more information.