Time and time again, many of our customers who experienced a leak in their home caused by plumbing don’t notice it until they see excessive staining and mold growth. They then contact their insurance carrier and explain that they see mold only to hear that they’re not covered for mold. That’s both true and false. The truth is mold is not covered under your policy as a stand alone loss, meaning you’re not covered if you see mold growing on your basement walls because of exterior foundation issues or humidity issues. But you are covered if you have mold as a direct result because of a covered water loss. So if your hot water tank bursts and water floods your basement and mold grows as a result, you’re covered up to a certain dollar amount for that removal.
Most insurance companies are looking to deny your claim even before it gets started, so giving them a feasible excuse is their dream. Now, you can not use this piece of advice in an attempt to scam the insurance company and commit fraud because they’ll eventually find out. This is just an informational and educational tool on how to go about filing a claim, and when we say a claim, we mean a legitimate claim. If you have a water loss in your home that results in mold, when you call in your claim, remember to explain the origin of the loss. You’re not calling about a mold problem, you’re calling about a leak that occurred in your home, and mold is a result of that leak. This way both parties are on the same page and now the insurance company has the prudent information needed to start filing your claim and getting your home back to pre-loss conditions.