How to Insure Your Home Against Mold
Find out whether your homeowners insurance policy will cover mold removal.
Q. What provisions in a typical homeowners insurance policy will cover mold removal? Is an extra premium required?
A. Mold, fungus, and dry or wet rot are generally covered only if it is the result of damage to something that is caused by a covered peril on your insurance policy. However, if mold starts to grow in your home because of improper or inadequate home maintenance, then the policy will not provide coverage.
There are many instances in which your policy will tackle mold issues. Let’s say you are gone on vacation when a drain backs up, soaking your carpeting. By the time you discover the damage a week later, mold has started to grow. If your home policy has Back Up of Sewer, Drain, and Sump Pump Coverage, MetLife Auto & Home would pay the costs to repair or replace the carpeting—and, in the process, clean any mold—up to the appropriate limit of insurance. In some states, Back Up coverage is optional, in others it’s automatically provided. Check your policy’s Declarations to confirm whether you have this valuable coverage and the limit on how much it will pay. We offer various limits from $2,000 to $250,000 in nearly all states.
The presence of mold makes even the simplest situation complicated; coverages and limits vary from state to state. Contact your MetLife Auto & Home® representative for answers specific to your policy.