If mold is found in a home and the homeowner has insurance, who pays for the problem to be repaired?

UPDATED: Feb 3, 2016

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Asked February 3, 2016

1 Answer


Finding mold in your home could be a terribly frightening experience, and you must ensure that you have addressed the problem correctly. This answer will show you what to do when you discover there is mold growing in your home, and you must follow these instructions carefully so that you will not be left in an awkward situation.

Your first step is to contact your insurance company. Your insurance company will pay for repairs to your home in most instances. Your first call may be to your insurance agent to ensure that your policy covers mold, and a claim may be filed on your behalf. The mold may exist in a specific place in your home, or you may need comprehensive care. An adjuster will be sent to your home to assess the damage, and you may continue with the repair process.

Next, contact the repair company. The repair that you need will come from a certified company. Mold remediation companies will create a plan for your home that will help you remove all the mold, and you will pay for their services using the check your insurance adjuster sends to you. You may ask for an estimate from the mold remediation company first, and you may compare those estimates with the payout you get from your insurance company. Some repair companies will actually change their estimates to fit the total offered by your insurance carrier.

There are certain instances when mold damage won't be covered. Widespread mold is a common item on your homeowner's insurance policy, but a bout of mildew or light mold in your basement may not be covered. Speak with your agent to ensure you are covered in the situation in which you find yourself. You may choose to speak to adjuster on the phone who will help you save some time, and you must not assume that your homeowner's insurance will pay for the repairs simply because you do not want to.

You may eliminate all the mold in your home with help of a mold remediation company, but you must ask your insurance company for help first. The insurance company will let you know how much you will receive to repair the damage, or you may discover that you will not receive any money to pay for the damage. Tread carefully when you find mold in your home, and follow each step to ensure that you may repair your home as quickly as possible.

Answered February 3, 2016 by fl_pc

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