Is Mold Damage Covered By Insurance?

It is a hot, summer day in Murfreesboro. You work outside in your garden for a while, but decide to stay inside and enjoy the nice, cool air conditioning. You walk to your bathroom to splash some water on your face and you see it in the corner…mold spores silently climbing up your wall! What do you do???

Mold Damage Home Insurance

Mold is something you do NOT want to find in your home ever! It is messy and expensive to mitigate. However, here in Murfreesboro – where we get over 54 inches of rain a year – we have the hot, muggy climate that mold just loves. 

Many people believe that when you find those little spores growing in the corner of the basement, homeowners insurance will step in. However, this is a common misconception. Let’s take a look at some common questions regarding mold and homeowners insurance 

When is mold covered by insurance?

Most standard homeowners policies will exclude mold, fungus, and dry rot from their policies. 


However, most carriers, will allow you to purchase an endorsement, or addition, to your policy that will offer limited coverage for fungi, wet or dry rot, or bacteria. This endorsement, which requires additional premium, will cover the cost to remove the fungi, the cost to tear out and replace damaged parts of the building or covered property, and other necessary expenses up to the limits of the endorsement. 

Coverage under this endorsement will usually only apply if the mold or other fungi is caused by a covered peril. Perils are events that could cause damage to your home or personal property. Most policies list perils that are covered – those are your covered or named perils.

Some of the covered perils that are most likely on your homeowners policy are: 

  • Fire
  • Lightening
  • Windstorm or Hail
  • Theft or attempted theft
  • Falling objects
  • Vandalism or malicious mischief
  • Accidental discharge or overflow of water from plumbing, heating, air conditioners or appliances
  • Frozen pipes
  • Weight of ice, snow, or sleet

If mold and other fungi, dry or wet rot or bacteria damage is caused by one of the named perils on your policy and you have the discussed endorsement, your claim would most likely be covered.

When is mold not covered by insurance?

Unless you have the endorsement discussed above on your home insurance policy, mold damage is likely not covered. Mold and other fungi is usually excluded even on a open perils policy, the most extensive of home insurance policies.

What should I do if I suspect mold in my house?

Some common signs of mold in your home are…

  • Lingering cold or flu-like symptoms
  • Frequent nose bleeds
  • Visible mold spores
  • Frequent headaches or respiratory issues
  • Damp or musty smell in your home



Mold can get out of hand quickly. If you suspect mold in your home, contact your insurance agent as soon as possible to see if you have any coverage on your policy. If you do have coverage, professionals will be dispatched to start cleanup quickly and keep damage to a minimum. 

If you have any questions regarding mold coverage on your homeowners insurance policy, we would be happy to help, whether or not you are in the Middle Tennessee area.

Give us a call today at 615-919-1009 or click here for more information. We look forward to serving you!