The simple answer to this question is no. Home insurance typically doesn’t cover mould. In fact, most home insurance policies list specific exclusions for destructive and dangerous nuisance.

However, there are a few situations where your policy may protect you in the event that mould develops in your home. Have a look below to learn why home insurance typically doesn’t cover mould and find out about the exceptions to this policy.

Why does home insurance NOT cover mould?

Home insurance is designed to protect you when your home is damaged by a sudden or accidental event. Usually, it doesn’t include coverage for wear-and-tear or preventable maintenance issues. Since mould typically grows over time and can be prevented by proper home maintenance by the homeowner. This is why it is generally not considered “sudden or accidental.” However, there are certain circumstances when your home insurance policy may cover mould.

When does home insurance cover mould?

The one instance your home insurance policy might cover damage caused by mould is when the mould develops because of another sudden and accidental event covered by your policy. A water leak in your home while being on vacation and major winter storm damage to your roof resulting in leaking in your attic (both resulting in the development of mould) are two scenarios where your home insurance may cover mould.

Following the requirements laid out in your policy is the only way your insurance policy will cover damages due to mould in the previously mentioned instances. For example, your insurer may require you to have a neighbour come in and check on your home every couple of days when you’re away.

If you’ve been following these guidelines, your neighbour would likely discover and address a leak before it has time to lead to mould. If you don’t follow the guidelines in your policy, your insurer could deny your claim.

Every home insurance policy is unique. This is why it important to review your own policy and make sure you understand its coverages and exclusions. If you have questions about your coverage or how your policy might respond in the event of mould damage in your home, contact your licensed  OTC Insurance broker.