Category Archives: FAQ

Is Attic Mold Covered By Insurance

Is Attic Mold Covered By Insurance

Mold discovery in your home is never a good thing. It’s a hazard that you should hesitate to rid of from your home. It’s crucial to get professional help to not only rid your home of the mold but to find the source of the mold to prevent future mold infestation. If you have a severe case of mold infestation, it could prove costly to hire a mold specialist and have restoration work performed. You may be wondering if mold is covered under your homeowner’s insurance. Mold damage may be covered by your homeowner’s insure. However, the big question is, “Is attic mold covered?” Let’s explore more regarding typical coverage for mold damage.

What’s Mold?

Mold is a type of fungus that thrives on moisture and humidity and grows quickly in the right environment. It’s common for mold to grow in an attic because it often has the perfect condition that attracts mold. Mold spores in your attic or any other space in your home should not be ignored, but treated as soon as it’s discovered. Mold is not only a health hazard, but can cause structural damage that can affect the support beam in your attic.

Primary Circumstances Leading to Mold Discovery

Mold doesn’t just appear out of nowhere. Mold may appear under one of these two conditions:

  • An unnoticed slow leak that causes moisture accumulation in your attic.
  • Major water damage, such as a flood, and though efforts were made to perform thorough cleanup and restoration, mold develop in your attic.

Mold Insurance Claim

Do you have an insurance claim for mold? Maybe. The answer isn’t so straightforward. Mold insurance claims in the category of “first party” property claims. An investigation of the claim is done by an insurance agent who will decide whether or not mold damage is covered under your insurance policy.

Types of Coverage

Whether you are talking about commercial, homeowner, or renter insurance policies, they are all different from one insurance company to the next. Mold coverage under a particular policy will depend on the language of that policy. The verbiage of any policy is important and reading your policy is crucial in the initial stages when working with an underwriter who can clarify details that are unclear to you. 

  • Specified Peril Insurance: You can find Specified Peril insurance policies that cover mold damage, in the case that mold growth is the result of any listed “peril” or causes. A list should be included in your policy of all the “peril” or causes for you to clearly identify. 
  • All Risk Insurance: These policies cover practically everything. The only hiccup you may have is if the insurance company can prove mold isn’t covered. This is why it’s your responsibility to ensure that at the time the policy is written out that mold is explicitly covered.

When is Mold Typically Covered?

If mold develops from water damage that is covered by your policy, then mold damage is typically covered. The burden of proof will be on you to show that water damage caused the mold growth and is not a pre-existing issue. 

At Bay state Mold Removal, our mold remediation team is skilled and reliable in helping our clients work with their insurance company to process a mold claim. We don’t just stop there; we tackle the real issue of mold remediation and restoration by finding the source of your mold problem and developing a solution that stops the infestation. Call Bay State Mold Removal for your mold restoration needs.

Can Mold Make Your Dog Sick?

Can Mold Make Your Dog Sick?

Mold growth often goes unnoticed until severe health symptoms or home damage appear. And unfortunately, breathing in mold spores is bad for everyone – even pets. If you have a dog at home, you’ll want to make sure that there’s no mold anywhere around. Like humans, dogs can experience health problems when they’re around the…

How to Fight Mold Issues During the Summer Heat & Humidity

How to Fight Mold Issues During the Summer Heat & Humidity

Humidity is a major reason for the growth of mold or mildew, leading to serious health issues. However, you can maintain air quality inside the house to prevent dangerous conditions. In this article, we will share some precautionary measures that will help you enhance air quality during summer and humid weather. Fight Mold Issues During…

How Mold Comes Out During Summer Vacations

How Mold Comes Out During Summer Vacations

During summer, you may notice mold growing in different corners of the house. Many factors, such as summer rains and warmer temperatures, contribute to mold growth. Environmental Protection Agency reports that mold development indoor can increase the risks of asthma attacks and allergies. Children and elderly people frequently fall sick because of mold in the…


Mold is a multicellular organism that thrives in humid environments. Airborne molds are usually mold spores released in the air after reproduction. Mold is hardly detectable by sight because they are too small to be seen with naked eyes. Their sizes make them unnoticeable and hard to avoid. After reproduction, the spores are released into…


Mold is a multicellular organism that flourishes in wet environments. It is a fungus and sometimes is barely visible to the naked eyes. Some are odorous, and they grow in hardly reachable places. They are everywhere. Why Should You Care? In small amounts, molds are usually harmless. However, when its spores find damp places to…

Understanding of Mold Growth during Warm Temperature

Mold consists of fungi and bacteria that grow outdoors. Although they are beneficial outdoors, mold growth inside enclosed spaces, such as your home, is a grave problem. Apart from the different health issues, your house structure may also weaken. However, before treating the molds and mildews in your home, you have to find the source…

Mold Removal Cost: What You Should Know

Finding mold in your home is the last thing you want, but sometimes it’s out of your control. Once you’ve spotted mold in your home, your mind starts spinning with questions. One of the biggest questions, of course, “how much will this cost me?” Paying for unexpected home maintenance is always stressful but try not…

Filed Under: FAQ
Call Now: 857-389-5284!