Can Mold Damage be Covered Under a Home Insurance Policy in Centennial, CO and to What Limits?

Mold is a concern for any homeowner because it can damage the building and cause a variety of complications. Even though homeowners are aware of the potential dangers of mold in Centennial, Colorado, it may not be covered under a basic home insurance policy.

Insurer Variations

Some insurers will not protect against mold damage, regardless of the situation. The insurers are allowed to legally refuse a claim for mold damage if it is stated in your policy that you do not have coverage or if it is excluded in the clauses.

In other cases, you may have coverage, but only to a limited extent. The exact limits on a policy may vary, so it is important to review the details of your plan before assuming that your insurer will cover the full cost of damages.

Additional Protection

If you are worried about mold growth, then it may be possible to add to your basic plan so that you are protected from damages and unnecessary expenses. Adding to your current policy may be possible through your insurer. If it is not possible to add the situation to your policy, then you may need to look for a different plan to protect your home and keep your family safe from potential health concerns.

The growth of mold is a problem that may impact your health. Even if you do not have coverage, it is best to remove the growth before it can cause serious health problems.

Every insurer has a different policy regarding the coverage that is available. In some cases, you may need to purchase additional protection to cover all of your concerns. Contact us to speak to an independent agent to learn more about your policy.