Video
Does homeowners insurance cover mold?
A home is a big investment - and mold, mildew and water can cause expensive damage. Understanding what events are covered by your homeowners insurance policy, and knowing the steps you can take to help prevent or limit damage, can help you protect that investment now and in the future.
September 25, 2024
1 min and 50 sec watch
00:07:00 – 00:09:02
A home is a big investment
00:09:02 – 00:12:29
and mold, mildew and water can cause expensive damage.
00:12:29 – 00:17:03
Understanding what events are covered by your homeowners insurance policy,
00:17:03 – 00:21:05
and knowing the steps you can take to help prevent or limit damage,
00:21:05 – 00:25:26
can help you protect that investment now and in the future.
00:26:08 – 00:29:29
Most homeowners insurance policies cover sudden water damage,
00:29:29 – 00:33:09
like burst pipes or roof leaks. If this happens,
00:33:09 – 00:35:26
be sure to let your insurance company know right away,
00:35:26 – 00:37:09
so they can help you submit a claim.
00:38:15 – 00:43:25
However, policies typically don't cover mold caused by gradual leaks or neglect.
00:43:25 - 00:48:06
That's why it's so important to be proactive
00:46:17 – 00:50:09
when it comes to preventing mold, mildew and water damage.
00:51:20 – 00:55:27
For example, be sure to fix leaks as soon as you spot them,
00:55:27 – 01:02:08
use dehumidifiers, and maintain good ventilation throughout your home to prevent mold.
01:02:08 – 01:07:12
If water damage does occur, you can help prevent further issues by:
01:07:11 – 01:10:06
Stopping the water flow or leak as soon as possible.
01:10:25 – 01:13:01
Removing any pools of water.
01:13:01 – 01:16:00
Drying the area with a dehumidifier.
01:16:00 – 01:18:18
And pulling up wet carpets and rugs.
01:19:03 – 01:22:07
Other causes of water damage include flooding and backup
01:22:07 – 01:24:29
from an outside source of water, like a sewer.
01:25:11 – 01:28:01
Flood and water backup are separate policies,
01:28:01 – 01:30:27
so it's important to explore all your options
01:30:27 – 01:33:19
and make sure you have the coverage you need.
01:33:19 – 01:36:22
Although accidents happen, proactive prevention,
01:36:22 – 01:41:16
as well as the right coverage, can help you protect your home and everyone in it.
01:42:08 – 01:45:03
Need more information on homeowners insurance?
01:45:05 – 01:48:09
Explore and get answers at TruStage.com
A home is a big investment
00:09:02 – 00:12:29
and mold, mildew and water can cause expensive damage.
00:12:29 – 00:17:03
Understanding what events are covered by your homeowners insurance policy,
00:17:03 – 00:21:05
and knowing the steps you can take to help prevent or limit damage,
00:21:05 – 00:25:26
can help you protect that investment now and in the future.
00:26:08 – 00:29:29
Most homeowners insurance policies cover sudden water damage,
00:29:29 – 00:33:09
like burst pipes or roof leaks. If this happens,
00:33:09 – 00:35:26
be sure to let your insurance company know right away,
00:35:26 – 00:37:09
so they can help you submit a claim.
00:38:15 – 00:43:25
However, policies typically don't cover mold caused by gradual leaks or neglect.
00:43:25 - 00:48:06
That's why it's so important to be proactive
00:46:17 – 00:50:09
when it comes to preventing mold, mildew and water damage.
00:51:20 – 00:55:27
For example, be sure to fix leaks as soon as you spot them,
00:55:27 – 01:02:08
use dehumidifiers, and maintain good ventilation throughout your home to prevent mold.
01:02:08 – 01:07:12
If water damage does occur, you can help prevent further issues by:
01:07:11 – 01:10:06
Stopping the water flow or leak as soon as possible.
01:10:25 – 01:13:01
Removing any pools of water.
01:13:01 – 01:16:00
Drying the area with a dehumidifier.
01:16:00 – 01:18:18
And pulling up wet carpets and rugs.
01:19:03 – 01:22:07
Other causes of water damage include flooding and backup
01:22:07 – 01:24:29
from an outside source of water, like a sewer.
01:25:11 – 01:28:01
Flood and water backup are separate policies,
01:28:01 – 01:30:27
so it's important to explore all your options
01:30:27 – 01:33:19
and make sure you have the coverage you need.
01:33:19 – 01:36:22
Although accidents happen, proactive prevention,
01:36:22 – 01:41:16
as well as the right coverage, can help you protect your home and everyone in it.
01:42:08 – 01:45:03
Need more information on homeowners insurance?
01:45:05 – 01:48:09
Explore and get answers at TruStage.com
Learn about Property Insurance
Help protect one of your biggest investments.
Get a deeper understanding
-
Does home insurance cover working from home?
The answer is - it depends. Are you working from home or operating a home-based business? Learn how to figure out which type of insurance coverage you need to fit your working lifestyle. -
Does your home insurance policy cover your personal property?
The typical homeowners insurance plan helps protect you against damage to your physical home. Some policies also extend protection to include other buildings or attachments on the property, such as a garage. But what about your personal items? Most home insurance policies include some coverage for personal items. How much coverage could depend on which kind you choose. -
Understanding your homeowner’s insurance policy
Reading a homeowners insurance policy can be intimidating. Once you understand the basics, you'll be able to make sense of your policy and locate key information when you need it.