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Fire & Water - Cleanup & Restoration

Does Renters Insurance Cover Mold Damage?

7/28/2020 (Permalink)

Mold containment. Plastic barrier along side of a wall Mold remediation in Acequia, CO

Mold growth in your Acequia, CO, rental home can be a major headache. Fortunately, in many cases, rental insurance can help you address problems resulting from a mold infestation.

What Renters Insurance Covers

When it comes to mold growth, a general rule can be applied to most mold damage claims: if the mold growth resulted from a covered loss, then the mold damage is also covered. There are a few causes of mold growth that are rarely, if ever, covered under renters insurance, including the following:

  • Tenant negligence
  • Landlord negligence
  • Weather-related flooding

Negligence on the part of the landlord is usually addressed in the lease and must deal with using the legal system. Insurance companies do not pay for damage caused by the insured's negligence, such as not cleaning up a spill in a timely manner. Flooding, such as by weather or other natural events, must be covered by a separate policy. Remember that these are generalities. The only way to know for certain what is and is not covered by your renter's insurance is to speak with your insurance agent to ensure you fully understand your policy.

Preventing Mold Growth
Although rental insurance can help you financially if you suffer mold damage, it is generally simpler to prevent mold growth in the first place. Keep the humidity in your home below 60 percent. You may have to run a dehumidifier in the bathroom, basement, or other areas prone to excess moisture. Routinely check for signs of mold growth in every room. Be sure to inspect vents and paper products. Clean up spills immediately and notify your landlord of any leaks as soon as possible.
Unfortunately, even the most conscientious renter can suffer mold growth. While rental insurance can help you financially, you may need a certified restoration company to help with mold removal and restoration of your mold-damaged personal possessions.

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